This bill clarifies and strengthens insurance coverage requirements for behavioral, mental health, and substance use disorder treatments, ensuring these services are covered as extensively as physical health treatments. The bill mandates that health benefit plans provide coverage for patient placement, admission, continued stay, transfer, and discharge determinations using recognized professional criteria from organizations like the American Academy of Child and Adolescent Psychiatry and the American Society of Addiction Medicine. It requires that utilization review criteria be consistent with current, generally accepted standards of care and prohibits health plans from discriminating against individuals with mental health or substance use disorders. The bill introduces detailed provisions about meaningful benefits, ensuring that if a health plan covers medical or surgical benefits in any classification, it must provide comparable mental health and substance use disorder benefits in the same classification. Key acronyms like MHPAEA (Mental Health Parity and Addiction Equity Act) are referenced, and the bill establishes clear definitions for terms like “medically necessary treatment” and “generally accepted standards of care.” Additionally, the bill gives the insurance commissioner authority to adopt rules to ensure compliance and specifies that health plans cannot reverse medical necessity determinations except in cases of fraud or invalid policy coverage.