US SB3698

Group health plans and health insurance issuers must eliminate cost-sharing (copays, deductibles, coinsurance) for mental health and substance use disorder services from diagnosis of pregnancy through 1 year postpartum when using in-network providers.

Coverage includes telehealth mental health and substance use disorder services during the pregnancy and postpartum period.

Amends the Public Health Service Act, Employee Retirement Income Security Act of 1974 (ERISA), and Internal Revenue Code to apply requirements across group and individual health insurance markets.

Extends continuity of care protections to allow postpartum individuals to continue receiving mental health or substance use disorder treatment from the same provider for up to 1 year after pregnancy ends, even if the provider leaves the network.

Takes effect for plan years beginning 2 years after enactment; also applies to Federal Employees Health Benefits Program (FEHBP) contracts.