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Strengthening Mental Health and Addiction Benefits Enforcement

This act aims to make it easier for citizens to enforce their rights when mental health or substance abuse benefits are denied by insurers. It expands the ability to sue insurance companies and plan administrators who fail to comply with parity requirements. Additionally, the act allocates significant funds to strengthen oversight and enforcement of these provisions.
Key points
Easier to sue insurers: Individuals, beneficiaries, and fiduciaries can now more easily sue insurance companies and health plan administrators for wrongful denials of mental health and substance use disorder benefits.
Recover losses and reform plans: The act allows for the recovery of all losses to participants and beneficiaries, the reform of impermissible plan terms, and the re-adjudication and payment of benefits according to the rules.
Increased funding for enforcement: $275 million is appropriated to the Department of Labor to enhance audits, investigations, and legal actions to ensure compliance with mental health and substance use disorder parity requirements.
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Additional Information
Print number: 117_HR_7767
Sponsor: Rep. Courtney, Joe [D-CT-2]
Process start date: 2022-05-13