Prohibits the retrospective denial of payment for substance use disorder treatment services if an insured was covered for such services at the time treatment was initiated; requires insurers to notify a treatment provider when an insured has lost coverage based on termination of the insured's employment.

This bill makes it illegal for insurance companies to refuse payment for substance use disorder treatment if the patient was covered at the start of their treatment. It also requires insurers to inform treatment providers when a patient loses their insurance due to job termination, ensuring that providers are aware of changes in coverage.

Supporters of this bill argue that it protects individuals seeking treatment for substance use disorders by ensuring they are not penalized for circumstances beyond their control. They believe it promotes access to necessary healthcare services and supports recovery efforts without the fear of unexpected financial burdens.

Critics of the bill may argue that it places additional financial strain on insurance companies, which could lead to higher premiums for all policyholders. They might also express concerns about the potential for misuse, where providers could overprescribe treatment knowing they are guaranteed payment regardless of coverage changes.