associations or other third-party entities, publicly available or proprietary clinical definitions, and outcome metrics from consulting or other organizations. (C) Financial requirement The term financial requirement includes deductibles, copayments, coinsurance, and maximum limitations on out-of-pocket expenses applicable under the plan. (D) Generally accepted standards of mental health and substance use disorder care The term generally accepted standards of mental health and substance use disorder care means standards of care and clinical practice that are generally recognized by health care providers practicing in relevant clinical specialties such as psychiatry, psychology, and addiction medicine and counseling, to ensure appropriate diagnosis, treatment, and ongoing management, for underlying mental health and substance use disorders, including co-occurring conditions, to adequately meet the needs of patients. These standards are derived from valid, evidence–based sources such as peer–reviewed scientific studies and medical literature, consensus guidelines of nonprofit health care provider professional associations and specialty societies, including level of care criteria and clinical practice guidelines, and recommendations of Federal government agencies. (E) Mental health benefits The term mental health benefits means benefits with respect to items and services for mental health conditions as defined by the Secretary. (F) Predominant A financial requirement or treatment limit is considered to be predominant if it is the most common or frequent of such type of limit or requirement. (G) Substance use disorder benefits The term substance use disorder benefits means benefits with respect to items and services for substance use disorders as defined by the Secretary. (H) Substantially all A financial requirement or treatment limitation applies to substantially all medical benefits in a classification if it applies to at least two-thirds of the benefits in that classification. (I) Treatment limitation (i) In