orders, as most recently published by the American 
Psychiatric Association; 
‘‘(3) provide monetary payments, rebates, or 
other benefits to individuals to encourage such indi-
viduals to accept less than the minimum protections 
available under this section; 
‘‘(4) penalize or otherwise reduce or limit the 
reimbursement of a provider because such provider 
provided care to an individual participant or bene-
ficiary in accordance with this section; 
‘‘(5) provide incentives (monetary or otherwise) 
to a provider to induce such provider to provide care 
to an individual participant or beneficiary in a man-
ner inconsistent with this section; or 
‘‘(6) deny to an individual participant or bene-
ficiary continued eligibility to enroll or to renew cov-
erage under the terms of the plan, solely because the 
individual was previously found to have an eating 
disorder or to have received treatment for an eating 
disorder. 
‘‘(c) OUT-OF-NETWORK PROVIDERS.—In the case of 
a group health plan, or health insurance issuer offering 
group health insurance coverage in connection with a 
group health plan, that provides both medical and surgical 
benefits and coverage for treatment for eating disorders, 
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if the plan or coverage provides coverage for medical or 
surgical benefits provided by out-of-network providers, the 
plan or coverage shall provide coverage for treatment for 
eating disorders provided by out-of-network providers in 
a manner that is consistent with the requirements of this 
section. 
‘‘(d) RULE OF CONSTRUCTION.—Nothing in this sec-
tion shall be construed as preventing a group health plan 
or issuer from imposing deductibles, coinsurance, or other 
cost-sharing in relation to treatment for eating disorders, 
except that such deductibles, coinsurance, or other cost- 
sharing may not be greater than the deductibles, coinsur-
ance, or other cost-sharing imposed on other comparable 
medical or surgical services covered under the plan. 
‘‘(e) PREEMPTION.—Nothing in this section shall be 
construed to preempt any State law in effect on the date 
of enactment of this section with respect to health insur-
ance coverage that requires coverage of at least the cov-
erage for treatment for eating disorders otherwise re-
quired under this section. 
‘‘(f) EATING DISORDERS DEFINED.—For purposes 
of this section the term ‘eating disorder’ includes anorexia 
nervosa, bulimia nervosa, and eating disorders not other-
wise specified (EDNOS) (including binge eating disorder), 
as defined in the fourth edition of ‘Diagnostic and Statis-
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tical Manual of Mental Disorders’ or such later edition 
as the Secretary may specify.’’. 
(2) ERISA AMENDMENTS.—(A) Subpart B of 
part 7 of subtitle B of title I of the Employee Re-
tirement Income Security Act of 1974 is amended by 
adding at the end the following new section: 
‘‘SEC. 714. COVERAGE FOR TREATMENT FOR EATING DIS-
ORDERS. 
‘‘(a) COVERAGE.—A group health plan, and a health 
insurance issuer offering group health insurance coverage 
in connection with a group health plan, that provides med-
ical and surgical benefits shall provide coverage for treat-
ment for eating disorders consistent with the provisions 
of this section. 
‘‘(b) PROHIBITIONS.—A group health plan, and a 
health insurance issuer offering group health insurance 
coverage in connection with a group health plan, shall 
not— 
‘‘(1) deny to an individual eligibility, or contin-
ued eligibility, to enroll or to renew coverage under 
the terms of the plan, solely for the purpose of 
avoiding the requirement of this section; 
‘‘(2) deny coverage for treatment of eating dis-
orders, including coverage for residential treatment 
of eating disorders, if such treatment is medically 
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necessary in accordance with the Practice Guidelines 
for the Treatment of Patients with Eating Dis-
orders, as most recently published by the American 
Psychiatric Association; 
‘‘(3) provide monetary payments, rebates, or 
other benefits to individuals to encourage such indi-
viduals to accept less than the minimum protections 
available under this section; 
‘‘(4) penalize or otherwise reduce or limit the 
reimbursement of a provider because such provider 
provided care to an individual participant or bene-
ficiary in accordance with this section; 
‘‘(5) provide incentives (monetary or otherwise) 
to a provider to induce such provider to provide care 
to an individual participant or beneficiary in a man-
ner inconsistent with this section; or 
‘‘(6) deny to an individual participant or bene-
ficiary continued eligibility to enroll or to renew cov-
erage under the terms of the plan, solely because the 
individual was previously found to have an eating 
disorder or to have received treatment for an eating 
disorder. 
‘‘(c) OUT-OF-NETWORK PROVIDERS.—In the case of 
a group health plan, or health insurance issuer offering 
group health insurance coverage in connection with a 
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group health plan, that provides both medical and surgical 
benefits and coverage for treatment for eating disorders, 
if the plan or coverage provides coverage for medical or 
surgical benefits provided by out-of-network providers, the 
plan or coverage shall provide coverage for treatment for 
eating disorders provided by out-of-network providers in 
a manner that is consistent with the requirements of this 
section. 
‘‘(d) RULE OF CONSTRUCTION.—Nothing in this sec-
tion shall be construed as preventing a group health plan 
or issuer from imposing deductibles, coinsurance, or other 
cost-sharing in relation to treatment for eating disorders, 
except that such deductibles, coinsurance, or other cost- 
sharing may not be greater than the deductibles, coinsur-
ance, or other cost-sharing imposed on other comparable 
medical or surgical services covered under the plan. 
‘‘(e) PREEMPTION.—Nothing in this section shall be 
construed to preempt any State law in effect on the date 
of enactment of this section with respect to health insur-
ance coverage that requires coverage of at least the cov-
erage for treatment for eating disorders otherwise re-
quired under this section. 
‘‘(f) EATING DISORDERS DEFINED.—For purposes 
of this section the term ‘eating disorder’ includes anorexia 
nervosa, bulimia nervosa, and eating disorders not other-
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