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HF 58

A bill for an act relating to insurance coverage for the treatment of eating disorders.

2025-2026 Regular Session Introduced by Megan Jones

HF 58 would require most insurance plans to cover eating disorder treatment, including out-of-network or out-of-state services when unavailable in-state and medically necessary.

Introduced, referred to Commerce.
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Bill Summary · HF 58

Summary of HF 58 (Introduced Jan 15, 2025)

HF 58 seeks to require insurance coverage for the treatment of eating disorders, with specific provisions governing who must provide coverage, what services must be covered, and the conditions under which out-of-state or out-of-network services may be used.

Purpose and intent

  • Ensure comprehensive insurance coverage for health care services related to the treatment of eating disorders, including disorders listed in the DSM (as updated by the American Psychiatric Association).
  • Require third-party payment providers delivering or administering health coverage in-state to cover prescribed treatment plans for eating disorders, including services delivered out-of-network or out-of-state when such services are unavailable in-state and medically necessary.

Key provisions

  • Scope of coverage

    • Any policy, contract, or plan that provides third-party payment or prepayment of health or medical expenses must cover health care services for treatment of an eating disorder, as specified in a covered person’s treatment plan.
    • Coverage applies to services provided out-of-network or out-of-state if unavailable in-state and medically necessary.

  • Treatment plan

    • A “treatment plan” is developed by a health care professional after a comprehensive evaluation or reevaluation, in consultation with the covered person or their representative.
    • The plan may include, but is not limited to:
    • Cognitive behavioral therapy (individual and group)
    • Family-based therapy
    • Medical nutrition therapy
    • Prescription drugs
    • Hospitalization
    • Day treatment programs
    • Residential treatment programs
    • Other health care services related to eating disorder treatment

  • Coverage partners and applicability

    • Applies to third-party payment providers enumerated in the bill, including:
    • The Medical Assistance program (MA) under Code chapter 249A
    • Managed care organizations (MCOs) operating under contracts with the Department of Health and Human Services to administer the MA program

  • Exclusions and rulemaking

    • The bill specifies certain types of specialized health-related insurance that are not subject to the bill (details not enumerated in the provided text).
    • The Commissioner of Insurance is required to adopt rules to administer the bill.

  • Effective date and applicability

    • The bill applies to third-party payment provider contracts, policies, or plans delivered, issued for delivery, continued, or renewed in this state on or after January 1, 2026.
    • This creates a post-2026 implementation window for affected plans.

Who or what would be affected

  • Individuals with eating disorders who are covered by insurance policies, especially those insured through MA and MCOs.
  • Third-party payment providers, including MA and contracted MCOs.
  • Health care providers delivering eating disorder treatment (e.g., therapists, nutritionists, physicians, hospitals, day or residential treatment facilities).
  • The Minnesota Department of Commerce (through rulemaking) and the Minnesota Department of Health and Human Services (through MA/MCO programs) as implementing agencies.
  • Plan sponsors and insurers offering in-state plans subject to the new requirements.

Legislative context

  • Status: Introduced and referred to Commerce.
  • Primary sponsor: JONES.

If enacted, HF 58 would establish a defined framework ensuring broad coverage for eating disorder treatment under specified public and private insurance arrangements, with details to be fleshed out by implementing rulemaking.

Compiled from official sources — confirm details with the bill’s official record.

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