To (1) prohibit certain health carriers from requiring the use of step therapy for drugs prescribed to treat behavioral health conditions or chronic, disabling or life-threatening conditions or diseases; (2) redefine “clinical peer” for the purposes of adverse determination and utilization reviews; (3) require health carriers to bear the burden of proving that certain health care services under adverse determination or utilization review are not medically necessary; and (4) require health carriers to provide certain clinical peers with authority to reverse initial adverse determinations.