Mental Health Parity or Equal Coverage Laws

Mental Health Parity or Equal Coverage Laws

http://insureme.us/mental-health-benefits/

Simply put, this law demands that health care insurers extend the same coverage or benefits to mental illness, serious mental illness and substance abuse as for other physical diseases or illnesses. Visit limits, deductibles, co-payments and lifetime and annual limits are also included as part of the benefits. The parity law has many variables that affect the level coverage. In Arkansas, they provide general and sometimes non-specific coverage. In other states, they limit the coverage to serious mental illness or biologically inherited diseases.  Some even include substance abuse in the coverage.