Enacts provisions relating to insurance coverage for mental health treatments

HB 1071 requires health insurance plans to cover mental health treatments equally whether provided by in-network or out-of-network hospitals. Specifically, it prohibits higher cost-sharing (like copays or deductibles) for mental health care at non-participating hospitals compared to in-network care, and mandates reimbursement rates matching Missouri's Medicaid program (MO HealthNet) for such treatments. The bill also establishes that if over 15% of patients seeking mental health care must use out-of-network providers, the insurance plan's provider network is deemed inadequate and violates state law. This directly affects mental health patients and insurers in Missouri, ensuring more equitable access to care without financial penalties.