An Act relative to dual diagnosis treatment coverage

This bill amends Massachusetts law to require health insurers and coverage plans to cover three specific addiction and mental health treatment services without preauthorization: acute treatment (24-hour medically supervised addiction care), clinical stabilization (post-detox recovery support), and co-occurring treatment (inpatient psychiatric care for dual diagnosis). It applies to Commonwealth employees' insurance (Chapter 32A), Medicaid plans (Chapter 118E), and all "creditable coverage" health insurance policies (Chapter 175). Coverage is limited to 14 days for clinical stabilization and co-occurring services, with facilities required to notify insurers within 48 hours of admission and allow utilization review starting on day 7. Medical necessity is determined by the treating clinician, not insurers.