Illinois HB5497 mandates that health insurance policies cover behavioral health emergency services on equal terms as medical or surgical emergency.
HB5497 amends the Illinois Insurance Code to require that any health insurance policy amended, delivered, issued, or renewed on or after January 1, 2027, that provides coverage for emergency services for medical or surgical conditions must also cover behavioral health emergency services. This includes crisis intervention, crisis stabilization, and crisis residential treatment needs. The bill ensures that coverage terms for behavioral health emergency services are no more restrictive than those for medical or surgical emergency services.
Included in complete analysis
- Overview
- Core Provisions
- Implementation
- Impact
- Legal Framework
- Critical Issues
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