Tele-Mental Health Improvement Act

To require parity in the coverage of mental health and substance use disorder services provided to enrollees in private insurance plans, whether such services are provided in-person or through telehealth. 1. Short title This Act may be cited as the Tele-Mental Health Improvement Act 2. Coverage of telehealth mental health and substance use disorder services (a) In general (1) Insurer requirements During the applicable period described in subsection (g), if a group health plan or group or individual health insurance coverage provides coverage of a mental health or substance use disorder service provided in-person the group health plan or health insurance issuer offering such group or individual health insurance coverage— (A) shall provide coverage of the service provided through telehealth at the same rate as the coverage for the same service provided in-person (with the same cost-sharing for enrollees and the same reimbursement rates for providers); (B) shall ensure that providers not charge enrollees facility fees for such services provided through telehealth; (C) may not impose additional barriers to obtaining such coverage for such services through telehealth, compared to coverage for such services provided in-person, such as a prior authorization requirement that is more rigorous than for in-person visits; and (D) shall provide notice to enrollees, informing such enrollees of how to access in-network telehealth mental health and substance use disorder services and the scope of their coverage. (2) Provider requirements During the applicable period described in subsection (g), if a provider of a mental health or substance use disorder service provides such services via telehealth to an enrollee in a group health plan or group or individual health insurance coverage, the provider shall not charge such enrollee, such group health plan, or a health insurance issuer of such coverage facility fees for such services. (b) Enforcement (1) Insurer requirements The provisions of subsection (a)(1) shall be applied by the Secretary of Health and Human Services, the Secretary of Labor, and the Secretary of the Treasury to group health plans and health insurance issuers offering group or individual health insurance coverage as if included in the provisions of part A of title XXVII of the Public Health Service Act ( 42 U.S.C. 300gg 29 U.S.C. 1181 chapter 100 (2) Provider requirements Subsection (a)(2) shall be applied by the Secretary of Health and Human Services and the Secretary of Labor to providers as if included in the provisions of part E of title XXVII of the Public Health Service Act. (c) Implementation The Secretary of Health and Human Services, Secretary of Labor, and Secretary of the Treasury may implement the provisions of this section through sub-regulatory guidance, program instruction, or otherwise. (d) Definitions In this section— (1) the terms group health plan health insurance issuer health insurance coverage 42 U.S.C. 300gg–91 29 U.S.C. 1191b section 9832 (2) the term telehealth services 42 U.S.C. 254c–14(a) (e) Rule of construction Nothing in this section shall prevent the application of any State law that is not inconsistent with this section. (f) Report to Congress Not later than 180 days after the conclusion of the public health emergency described in subsection (a), the Secretary of Health and Human Services shall submit to the Committee on Health, Education, Labor, and Pensions of the Senate, the Committee on Education and Labor of the House of Representatives, and the Committee on Energy and Commerce of the House of Representatives on the impacts the requirement under subsection (a) has on the use of both telehealth services and health services provided in-person. (g) Applicable period The applicable period described in subsection (a) is the period beginning on the date of enactment of this Act and ending on the date that is 90 days after the public health emergency declared by the Secretary of Health and Human Services under section 319 of the Public Health Service Act ( 42 U.S.C. 247d

Summary: Tele-Mental Health Improvement Act This bill requires private health insurance plans that cover in-person mental health or substance use disorder services to cover such services on equal terms via telehealth (i.e., information technology used to aid treatment and diagnosis at a physical distance) during and shortly after the COVID-19 (i.e., coronavirus disease 2019) public health emergency. Specifically, this bill requires plans to, among other things, cover these services at the same rate as in-person services, exclude charges for facility fees, and provide information about how to access these services. Additionally, providers of these services may not charge facility fees to plan enrollees.