House Bill No. 909, introduced by Representative Spell, mandates that health insurance issuers in Louisiana provide coverage for mobile crisis response and behavioral health crisis services. The bill outlines specific requirements for coverage, including that prior authorization for these services is not required, and that coverage may be subject to standard annual deductibles, coinsurance, and copayment provisions. Additionally, health insurance issuers are allowed to 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.

The bill also establishes eligibility criteria for providers of mobile crisis response and behavioral health crisis care services, requiring them to be licensed and to coordinate with the Louisiana Department of Health's sanctioned Crisis Hub. Definitions for key terms such as "behavioral health crisis care," "mobile crisis response," and "health insurance issuer" are provided to clarify the scope of the legislation. The provisions of this act are set to take effect on July 1, 2027.