Chapter 176Q of the General Laws, as appearing in the 2022 Official Edition, is hereby amended by inserting after section 18 the following section:-

Section 19.

1. Purpose. This section aims to ensure that patients in Massachusetts receive necessary treatment to prevent psychiatric emergencies, as determined by their licensed physicians.

2. Definitions. As used in this section, the following words shall have the following meanings:

(a) "Patient" means an individual seeking mental health treatment.

(b) “Physician” means a licensed medical doctor or psychologist authorized to diagnose mental health conditions.

(c) “Psychiatric emergency” means a manic episode, a psychotic episode, a catatonic episode, a homicidal episode with a high risk of attempted homicide, an episode of substance use with a a high risk of extreme harm or fatal overdose, a self-harm episode with high risk of extreme self-injury, or a suicidal episode with high risk of attempted suicide.

(d) “Psychiatric emergency treatment" means any medical intervention recommended by a physician to prevent a psychiatric emergency if the physician attests the patient has a high risk of experiencing, or continuing to experience, a psychiatric emergency without the medical intervention.

(e) “High risk” means greater than 50 percent likelihood.

(f) “Extreme self-injury” self-injury that poses a high risk of causing permanent cognitive or physical disability or loss of life.

(g) “Extreme harm” substance-caused injury that poses a high risk of causing permanent cognitive or physical disability or loss of life.

3. Coverage Requirement.

(a) Insurance companies operating in Massachusetts are required to cover at least 90 percent of the cost of treatment for a patient when a physician has determined that the patient has a high risk of experiencing a psychiatric emergency without such treatment.

4. Compliance and Enforcement. Insurance companies must develop protocols to ensure approval of claims related to treatments covered under this section within 7 days. 

5. Effective Date. This section shall take effect within 90 days of its passage into law, allowing time for insurance companies to adjust their policies accordingly.