‘‘(D) TREATMENT
LIMIT
DEFINED.—For 
purposes of this paragraph, the term ‘treatment 
limit’ means, with respect to a plan or coverage, 
limitation on the frequency of treatment, num-
ber of visits or days of coverage, or other simi-
lar limit on the duration or scope of treatment 
under the plan or coverage. 
‘‘(E) PREDOMINANCE.—For purposes of 
this subsection, a treatment limit or financial 
requirement with respect to a category of items 
and services is considered to be predominant if 
it is the most common or frequent of such type 
of limit or requirement with respect to such cat-
egory of items and services. 
‘‘(4) 
BENEFICIARY
FINANCIAL
REQUIRE-
MENTS.— 
‘‘(A) NO
BENEFICIARY
FINANCIAL
RE-
QUIREMENT.—If the plan or coverage does not 
include a beneficiary financial requirement (as 
defined in subparagraph (C)) on substantially 
all medical and surgical benefits within a cat-
egory of items and services (specified under 
paragraph (3)(C)), the plan or coverage may 
not impose such a beneficiary financial require-
ment on mental health and substance-related 
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disorder benefits for items and services within 
such category. 
‘‘(B) BENEFICIARY
FINANCIAL
REQUIRE-
MENT.— 
‘‘(i) TREATMENT
OF
DEDUCTIBLES, 
OUT-OF-POCKET LIMITS, AND SIMILAR FI-
NANCIAL REQUIREMENTS.—If the plan or 
coverage includes a deductible, a limitation 
on out-of-pocket expenses, or similar bene-
ficiary financial requirement that does not 
apply separately to individual items and 
services on substantially all medical and 
surgical benefits within a category of items 
and services (as specified in paragraph 
(3)(C)), the plan or coverage shall apply 
such requirement (or, if there is more than 
one such requirement for such category of 
items and services, the predominant re-
quirement for such category) both to med-
ical and surgical benefits within such cat-
egory and to mental health and substance- 
related disorder benefits within such cat-
egory and shall not distinguish in the ap-
plication of such requirement between such 
medical and surgical benefits and such 
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mental health and substance-related dis-
order benefits. 
‘‘(ii) OTHER
FINANCIAL
REQUIRE-
MENTS.—If the plan or coverage includes a 
beneficiary financial requirement not de-
scribed in clause (i) on substantially all 
medical and surgical benefits within a cat-
egory of items and services, the plan or 
coverage may not impose such financial re-
quirement on mental health and substance- 
related disorder benefits for items and 
services within such category in a way that 
is more costly to the participant or bene-
ficiary than the predominant beneficiary fi-
nancial requirement applicable to medical 
and surgical benefits for items and services 
within such category. 
‘‘(C) BENEFICIARY
FINANCIAL
REQUIRE-
MENT DEFINED.—For purposes of this para-
graph, the term ‘beneficiary financial require-
ment’ includes, with respect to a plan or cov-
erage, any deductible, coinsurance, co-payment, 
other cost sharing, and limitation on the total 
amount that may be paid by a participant or 
beneficiary with respect to benefits under the 
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plan or coverage, but does not include the appli-
cation of any aggregate lifetime limit or annual 
limit.’’; and 
(2) in subsection (b)— 
(A) by striking ‘‘construed—’’ and all that 
follows through ‘‘(1) as requiring’’ and insert-
ing ‘‘construed as requiring’’; 
(B) by striking ‘‘; or’’ and inserting a pe-
riod; and 
(C) by striking paragraph (2). 
(b) EXPANSION TO SUBSTANCE-RELATED DISORDER 
BENEFITS AND REVISION OF DEFINITION.—Such section 
is further amended— 
(1) by striking ‘‘mental health benefits’’ and in-
serting ‘‘mental health and substance-related dis-
order benefits’’ each place it appears; and 
(2) in paragraph (4) of subsection (e)— 
(A) by striking ‘‘MENTAL HEALTH BENE-
FITS’’ and inserting ‘‘MENTAL
HEALTH
AND 
SUBSTANCE-RELATED DISORDER BENEFITS’’; 
(B) by striking ‘‘benefits with respect to 
mental health services’’ and inserting ‘‘benefits 
with respect to services for mental health condi-
tions or substance-related disorders’’; and 
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