Coverage for mental, nervous and substance-related disorders is a "mandatory offer" under Florida law; that is, insurers and HMO's must offer it in small group health plans and it must be offered through government employee insurance programs. The coverage is limited. Major legislation considered during the 2008 session would significantly expand this mandatory offer.

Excellent background is available on the bill and health insurance coverage for mental and nervous disorders generally from the Senate Banking & Insurance Committee analysis on SB 164, dated February 26, 2008.

Mental Health & Nervous Disorder Coverage