Insurance, Health, Accident - As introduced, requires health insurance carriers to provide mental health coverage in parity with alcoholism and drug dependence coverage. - Amends TCA Title 4; Title 8; Title 33; Title 39; Title 49; Title 53; Title 56; Title 63; Title 68 and Title 71.

HB 1291 requires Tennessee health insurance carriers to cover mental health services at the same level as coverage for alcoholism and drug dependence. This means insurance plans must provide equal benefits, coverage, and reimbursement rates for mental health treatment compared to substance use disorder treatment. The bill also mandates that insurers include clear explanations of this equal coverage in plan materials. It applies to all health insurance plans issued or renewed on or after July 1, 2025.