(1) Inpatient chemical dependency treatment benefits include treatment in an inpatient hospital or residential chemical dependency treatment center.

(2) The combined benefit for inpatient and outpatient treatment for alcoholism and drug addiction, excluding costs for medical detoxification, is subject to a maximum benefit of $6,000 in a 12-month period. Inpatient benefits are limited to a lifetime maximum benefit of $12,000. After the inpatient lifetime maximum benefit has been met, the annual benefit may be reduced to $2,000.

(3) Chemical dependency benefits shall be provided at least to the extent required by state law.