This bill mandates that all health benefit plans in Oklahoma provide coverage for medically necessary treatment of mental health and substance use disorders. It defines key terms related to mental health care, such as "medically necessary treatment" and "utilization review," and establishes that health benefit plans cannot impose limitations on benefits for chronic or pervasive mental health conditions. The bill also prohibits the rescission or modification of treatment authorizations after services have been rendered, ensuring that patients receive the care they need without the risk of retroactive denial. Additionally, if in-network services are unavailable, plans must comply with out-of-network care requirements.

The bill outlines specific procedures for utilization review, requiring that health benefit plans adhere to generally accepted standards of care and ensuring that all denials and appeals are reviewed by qualified professionals. It also prohibits health plans from adopting terms that conflict with the new requirements and grants the Insurance Commissioner the authority to enforce compliance through rule-making and civil penalties for violations. The act is set to take effect on January 1, 2027.