State and federal laws already require health insurance companies to handle mental health treatments the same as physical health treatments. The California Health Benefits Review Program says 99.8% of people enrolled in private health insurance plans have coverage for mental health and substance abuse disorders on par with other medical conditions.
But those laws don’t define what is “medically necessary” to determine which treatments get covered. Because of that, advocates say private insurers often deny coverage for some mental health and drug abuse treatments based on their own restrictive definitions.
The law requires all private insurers to cover medically necessary mental health and drug addiction treatments. The law says when