HB5077

West Virginia HB5077 mandates insurance coverage for medically necessary mental health and substance use disorder treatments starting January 1, 2027.

West Virginia HB5077, known as the Mental Health and Substance Use Disorders Insurance Coverage Protection Act, requires insurance policies to cover medically necessary treatments for mental health and substance use disorders starting January 1, 2027. The act defines "medically necessary treatment" and mandates that insurers follow generally accepted standards when making medical necessity determinations. It prohibits insurers from using discretionary clauses that could lead to a deferential standard of review by a court.