Guam § 28103 - No Discrimination Against the Mentally Ill and Chemically

§ 28103. No Discrimination Against the Mentally Ill and Chemically

Dependent.

(a) As used in this Section, the term:

(1) Mental illness has the same meaning as defined in '86102 of Title 10

of the Guam Code Annotated; and

(2) Chemical dependency has the same meaning as defined in

Substance-Related Disorders, a diagnosis found in the Diagnostic and

Statistical Manual of Mental Disorders DSM-IV, or any subsequent

edition of this manual.

(b) No insurance company licensed on Guam shall, solely because an

individual to be insured has or had a mental illness or chemical dependency:

(1) refuse to issue or deliver to that individual any policy that

affords benefits or coverages for any medical treatment or service for

physical illness or injury;

(2) have a higher premium rate or charge for physical illness or

injury coverages or benefits for that individual; or

(3) reduce physical illness or injury coverages or benefits for that

individual.

(c) Every insurer that writes a policy or contract of group or blanket

health insurance or group or blanket accident and health insurance that is

issued, renewed or amended on or after January 1, 1999, shall provide to its

insureds benefits for the necessary care and treatment of mental illness that

are not less favorable than benefits for physical illness generally. Benefits

for treatment of mental illness shall be subject to the same durational limits,

dollar limits, deductibles and coinsurance factors as are benefits for physical

illness generally.

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COL120106

COL120106