Sec. 1. 24 MRSA §2325-A, sub-§3, ¶¶A-1 and F are enacted to read:

A-1.__"Health insurance plan" means a health insurance policy or health benefit plan offered by a health insurer.__ "Health insurance plan" includes a health benefit plan offered or administered by the State or by any subdivision or instrumentality of the State.

F.__"Rate term or condition" means lifetime or annual payment limits, deductibles, copayments, coinsurance and any other cost-sharing requirements, out-of-pocket limits, visit limits and any other financial component of health insurance coverage that affects the insured.

Sec. 2. 24 MRSA §2325-A, sub-§5-A, as amended by PL 1989, c. 490, §1, is repealed.

Sec. 3. 24 MRSA §2325-A, sub-§5-C, as amended by PL 1995, c. 625, Pt. B, §6 and affected by §7 and amended by c. 637, §1, is further amended to read:

5-C. Coverage for treatment for certain mental illnesses. Coverage for medical treatment for mental illnesses listed in paragraph A is subject to this subsection.

A. All individual and group contracts must provide, at a minimum, benefits according to paragraph B, subparagraph (1) for a person receiving medical treatment for any of the following mental illnesses diagnosed by a licensed allopathic or osteopathic physician or, a medical doctor, a licensed psychologist who is trained and has received a doctorate in psychology specializing in the evaluation and treatment of human behavior or a licensed master's-level social worker:

(1) Schizophrenia;

(2) Bipolar disorder;

(3) Pervasive developmental disorder, or autism;

(4) Paranoia;

(5) Panic disorder;

(6) Obsessive-compulsive disorder; or