The proposed bill aims to mandate coverage for treatments related to severe obesity by adding a new subchapter to the Arkansas Code Title 23, Chapter 79. This subchapter, titled "Coverage for Treatment for Severe Obesity," defines key terms such as "body mass index," "covered person," and "health benefit plan." It stipulates that, starting January 1, 2026, health benefit plans must provide coverage for medically necessary expenses associated with treating diseases and conditions caused by severe obesity. This includes coverage for bariatric surgery, preoperative care, and postoperative care, contingent upon a healthcare provider's written order confirming the medical necessity of the treatment.

Additionally, the bill outlines certain limitations and exclusions regarding coverage. It allows healthcare insurers to require a preoperative period of up to three months for counseling and nutritional education before treatment can begin. Coverage for bariatric surgery is restricted to individuals aged 18 and older, and insurers may limit services to accredited facilities. Importantly, the bill does not mandate coverage for injectable drugs used for glucose control or other weight-loss medications. The Secretary of the Department of Human Services and the Insurance Commissioner are tasked with establishing rules for additional preoperative conditions and coverage requirements based on industry best practices.