Mental Health Services: Health Plans ThatMustFollow Federal Parity Include

Federal parity also applies to clinical criteria used by health insurers to approve or deny mental health or substance use treatment. Besides, the standard formedical necessity determinations if the treatment or supplies are considered by the health plan to be reasonable, necessary, and also appropriate must be made available to any current or potential health plan member upon request. Mental health parity describes the equal treatment of mental health conditions and substance use disorders in insurance plans. You can talkwith your plan, So if you think your plan has violated parity requirements. Usually, as a rule of a thumb, contact your plan’s customer relations division promptly, Therefore if your treatment is denied and you disagree. Did you know that the reason for denials of coverage must be made available by your insurance company upon request.

Parity doesn’t mean that you will getgood mental health coverage. Comprehensive parity requires equal coverage, not necessarily good coverage. Health support plans regulated in that state must follow those laws, Therefore in case a state has a stronger state parity law. For example, federal parity replaces state law only in cases where the state law prevents the application of federal parity requirements. In November 2013, the federal government released rules to implement the law. That said, in 2008,Congress passedthe Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act to ensure equal coverage of treatment for mental illness and addiction.

Ann Miller

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