KRS 304.17-318: Coverage for treatment for mental illness.

(1) For purposes of this section, "mental illness" means psychosis, neurosis or an

emotional disorder.

(2) Any offer to sell a policy or contract of general health insurance to be issued,

delivered, issued for delivery, amended or renewed in this state after J anuary 1,

1987, shall include an offer of coverage for the inpatient and outpatient treatment of

mental illness, at least to the same extent and degree as coverage provided by the

policy or contract for the treatment of physical illnesses.

(3) Nothing in t his section shall be construed to prohibit an insurer from issuing or

continuing to issue a health insurance policy or contract which provides benefits

greater than the minimum benefits required by this section or from issuing such

policies or contracts pr oviding benefits which are generally more favorable to the

insured than those required by this section.