This bill amends various chapters of the General Laws related to insurance by introducing a new section that mandates coverage for acute mental health crisis mobile response and stabilization services for children and youth aged eighteen and younger. The new section, titled "Acute mental health crisis mobile response and stabilization services," outlines the definition of these services, which include rapid response, assessment, and early intervention for individuals experiencing symptoms such as aggression, self-injury, trauma, acute depression or anxiety, challenges at school, suicidal or homicidal thoughts or behaviors, and extreme parent-child conflict.

The bill requires that coverage for these mobile response and stabilization services be provided to eligible individuals enrolled as plan beneficiaries, ensuring that they are treated similarly to other behavioral health services, regardless of differences in billing codes. This requirement is added to multiple chapters, including those governing accident and sickness insurance policies, nonprofit hospital service corporations, nonprofit medical service corporations, and health maintenance organizations. The act is set to take effect on January 1, 2026.