The Mental Health and MAMA Act of 2024 requires health insurance plans to cover mental health services and substance use disorder treatment at no cost to pregnant women and new mothers for one year after pregnancy ends. The law applies to group health plans and individual health insurance policies that offer mental health or substance abuse coverage, affecting millions of Americans with employer-sponsored or individual insurance. The legislation covers telehealth services in addition to in-person care and ensures that patients can continue treatment with their current providers during and after pregnancy without interruption. The requirements take effect two years after the law is enacted, giving insurance companies time to adjust their plans and billing systems. The bill also strengthens continuity of care protections so that pregnant women and postpartum patients can maintain relationships with their existing mental health and addiction treatment providers.
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