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Bill

HB 2738

Health insurance; coverage for mental health and substance abuse disorders.

2025 Regular Session Introduced by Elizabeth Bennett-Parker and 7 co-sponsors

Virginia law now requires health insurers to cover mental health and substance abuse treatments equally to physical health care, effective July 1, 2025.

Acts of Assembly Chapter text (CHAP0314)
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Bill Summary · HB 2738

Legislative bill overview

HB 2738 mandates that health insurance plans in Virginia provide comprehensive coverage for mental health and substance abuse disorder treatments on par with physical health coverage. The bill aligns Virginia's insurance requirements with federal mental health parity standards and ensures insurers cannot impose discriminatory limitations on behavioral health services.

Why is this important

Mental health and substance abuse disorders affect millions of Virginians, yet historically have received inferior insurance coverage compared to physical ailments. This legislation removes financial barriers to treatment, potentially reducing hospitalizations, emergency room visits, and improving overall public health outcomes while addressing Virginia's opioid crisis and mental health disparities.

Potential points of contention

  • Insurance cost increases: Insurers may argue expanded coverage requirements will raise premiums for all policyholders, affecting affordability for those with limited budgets
  • Provider network adequacy: Rapid demand for mental health services could strain Virginia's existing therapist and psychiatrist workforce, creating access delays despite coverage mandates
  • Definition and enforcement scope: Ambiguity over what constitutes "comparable coverage" and how parity compliance will be monitored and enforced could lead to regulatory disputes and continued inconsistent practice

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

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