HB1275

House Bill 1275 prohibits healthcare insurers from requiring prior authorization or precertification for healthcare services provided to individuals experiencing a mental health crisis. The bill defines a mental health crisis as a situation where an individual's emotional or mental state poses a risk of harm to themselves or others, or significantly impairs their daily functioning. It applies to services rendered in crisis stabilization units, programs for immediate crisis services, and emergency departments. The legislation covers most health benefit plans, including individual, group, and nonfederal self-funded governmental plans, while excluding workers' compensation and specialized plans like dental or vision. The bill also authorizes the Insurance Commissioner and the State Board of Finance to promulgate rules to implement these requirements.