Amends TCA Title 56 and Title 71.

Tennessee HB0654 mandates that health benefit plans offering mental health and substance abuse services must provide coverage through a psychiatric collaborative care model (PCCM) for plans issued on or after January 1, 2026. This bill affects health benefit plans and managed care organizations, requiring them to ensure coverage aligns with the PCCM framework while allowing for denial of services based on medical necessity under specific conditions. Key changes include the revised effective date and the removal of compliance requirements with certain state and federal laws for denial of coverage.