The Mental Health and MAMA Act requires health insurance plans that cover mental health and substance use disorder services to eliminate all out-of-pocket costs (copays, coinsurance, and deductibles) for pregnant and postpartum individuals. Coverage would extend from the diagnosis of pregnancy through one year after the end of pregnancy, including telehealth services provided by in-network providers. The legislation applies to group health plans offered by employers, individual insurance plans, and the Federal Employees Health Benefits Program. The requirements take effect two years after the bill's enactment and also expand continuity-of-care protections to ensure individuals can continue treatment with their providers during and after pregnancy. The bill does not specify new federal funding, instead placing the coverage responsibility on existing insurance plans and employers.
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