This bill enacts R.S. 22:1059.8, which mandates that health insurance issuers in Louisiana provide coverage for behavioral health crisis services, specifically mobile crisis response and behavioral health crisis care. The legislation outlines that such coverage may include annual deductibles, coinsurance, and copayment provisions, but prior authorization for these services is not required. Additionally, it establishes that health insurance issuers can determine their reimbursement methods for these services and may require documentation from treating providers to confirm the presence of a behavioral health crisis, the medical necessity of the intervention, and a follow-up plan.

To be eligible to provide these crisis services, providers must be licensed according to specific state regulations and coordinate with the Louisiana Department of Health's sanctioned Crisis Hub. The bill also defines key terms related to behavioral health crisis care and mobile crisis response, emphasizing the need for these services to be available 24/7 and to offer community-based alternatives to more restrictive settings. The provisions of this Act are set to take effect on July 1, 2027.