Illinois SB 2287: INS CD-MENTAL HEALTH CARE

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 Full Text of SB2287

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104TH GENERAL ASSEMBLY 
State of Illinois 
2025 and 2026
SB2287

Introduced 2/7/2025, by Sen. Mike Simmons 

SYNOPSIS AS INTRODUCED:

5 ILCS 375/6.11

55 ILCS 5/5-1069.3

65 ILCS 5/10-4-2.3

105 ILCS 5/10-22.3f

215 ILCS 5/356z.3b new

215 ILCS 125/5-3 from Ch. 111 1/2, par. 1411.2

215 ILCS 130/4003 from Ch. 73, par. 1504-3

215 ILCS 165/10 from Ch. 32, par. 604

305 ILCS 5/5-16.8

 Amends the Illinois Insurance Code. Provides that, when a beneficiary, insured, or enrollee receives mental health services from a nonparticipating provider or a nonparticipating health care facility, the health insurance issuer shall ensure that the beneficiary, insured, or enrollee shall incur no greater out-of-pocket costs than the beneficiary, insured, or enrollee would have incurred with a participating provider or a participating health care facility. Requires any cost-sharing requirements to be applied as though the mental health services had been received from a participating provider or a participating health care facility. Provides that, if the cost sharing for the same item or service furnished by a participating provider would have been a flat-dollar copayment, that amount shall be the cost-sharing amount unless the provider has billed a lesser total amount. Provides that administrative requirements or limitations shall be no greater than those applicable to emergency services received from a participating provider or a participating health care facility. Permits a beneficiary, insured, or enrollee receiving ongoing mental health services from a nonparticipating provider to continue treatment with the nonparticipating provider for up to one year from the start of services or one year after the effective date of the amendatory Act, whichever