(1) For purposes of this section, "mental illness" means psychosis, neurosis or an emotional disorder.
(2) Any offer to sell a policy of general health insurance or health maintenance organization coverage issued, delivered, issued for delivery, amended or renewed by a health maintenance organization in this state after January 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 this section shall be construed to prohibit a health maintenance organization 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 providing benefits which are generally more favorable to the insured than those required by this section.