This bill seeks to expand the definition and coverage of medically necessary mental health services for active and retired employees of the Commonwealth, as well as individuals insured under various health plans. It introduces new definitions in Chapters 32A, 118E, 175, 176A, and 176B of the General Laws, including terms such as "mental health acute treatment," "mental health crisis stabilization services," "community-based acute treatment (CBAT)," and "intensive community-based acute treatment (ICBAT)." The legislation mandates that coverage for these services will not require preauthorization, with medical necessity determined by the treating clinician in consultation with the patient, as documented in the patient's medical record.

Furthermore, the bill amends Chapters 176B and 176G of the General Laws to ensure that individual or group medical service agreements and health maintenance contracts provide coverage for these mental health services without preauthorization. It specifies coverage durations of up to 14 days for mental health crisis stabilization services and intensive community-based acute treatment, and up to 21 days for community-based acute treatment. Facilities are required to notify insurance carriers of admissions and treatment plans within 48 hours, and utilization review procedures can be initiated after a designated number of treatment days. Overall, the bill aims to enhance access to mental health care and facilitate a collaborative decision-making process between clinicians and patients regarding treatment.