An Act providing continuity of care for mental health treatment

This bill ensures that individuals in Massachusetts can continue seeing their mental health providers even if those providers are removed from an insurance network or the insurance company changes. It defines a "continuing course of treatment" as having at least one visit in the past four months for the same condition or similar symptoms. Under the new rules, insurance carriers must pay the full in-network rate to providers who are out-of-network due to disenrollment or plan changes, unless the removal was due to fraud or quality issues. Patients may face a higher co-payment only if the carrier proves that using an out-of-network provider significantly increases costs, and no new deductibles or additional charges are allowed for this coverage.