North Dakota Statutes

An insurance company, nonprofit health service corporation, or health maintenance organization may not deliver, issue, execute, or renew any health insurance policy or health service contract on a group or blanket or franchise or association basis unless the policy or contract provides benefits, of the same type offered under the policy or contract for other illnesses, for health services related to the diagnosis, evaluation, and treatment of mental disorder and other related illnesses. The benefits must be provided for each of the following services: inpatient treatment, treatment by partial hospitalization, residential treatment, and outpatient treatment.
In the case of benefits provided for inpatient treatment, the benefits must be provided for a minimum of 45 days of services. For partial hospitalization, the benefits must be provided for a minimum of 120 days of services. In the case of benefits provided for residential treatment, the benefits must likewise be provided for a minimum of 120 days of services. However, any individual receiving residential treatment services who requires residential treatment service beyond the minimum of one hundred twenty days may trade unused inpatient treatment benefits

An insurance company, nonprofit health service corporation, or health maintenance organization may not issue any health insurance policy or health service contract on a group, blanket, franchise, or association basis unless the policy or contract provides benefits of the same type offered under the policy or contract for other illnesses, for health services related to the diagnosis, evaluation, and treatment of alcoholism, drug addiction, or other related illnesses.
The benefits must be provided for inpatient treatment, treatment by partial hospitalization, and outpatient treatment.
For benefits provided for inpatient treatment, the benefits must be provided for a minimum of sixty days. For benefits provided for partial hospitalization, the benefits must be provided for a minimum of one hundred twenty days of service per year. Benefits may also be provided for a combination of inpatient and partial hospitalization treatment.
In the case of benefits provided for outpatient treatment, the benefits must be provided for a minimum of twenty visits for services. Deductibles and copays are prohibited for the first five visits in any calendar year, and the copayment may not be greater than 20% for the remaining visits.

An insurance company, a nonprofit health service corporation, or a health maintenance organization may, in the alternate, provide substance abuse coverage under this section.
In addition to the inpatient treatment, treatment by partial hospitalization and outpatient treatment coverage required under N.D. Cent. Code, § 26.1-36-08, the coverage under this section must include coverage for residential treatment. Benefits for residential treatment must be provided for a minimum of 60 days. However, if the individual requires more than 60 days of treatment, unused inpatient treatment benefits may be traded for residential treatment benefits. For coverage of inpatient treatment, the benefits must be provided for a minimum of 45 days.