The Mental Health Parity and Addiction Equity Act of 2008 is a federal law that requires health insurance plans to cover mental health and substance abuse services in an equal amount as they cover medical and surgical services.
The MHPAEA was created to address the disparities in psychiatric care that exist between different income groups. The MHPAEA concession applies to any employer with at least fifty employees. This includes both private and public sector employers.
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Any individual who is employed must have mental health coverage, whether they are an employee, an independent contractor, or an employee’s spouse or dependent child.
Mental health-related services are considered essential health services under the MHPAEA. This means that if you do not have mental health coverage, your insurance company can deny you coverage for medically necessary mental health services.
If you have mental health coverage but need to see a specialist, your insurance company may cover the cost of the appointment, but it may not cover the cost of any related medications or treatments. If you do not have mental health coverage, your insurance company may require you to pay for all related costs yourself.
The MHPAEA requires plans to cover a wide range of treatments for mental health conditions and related care. However, some plans still offer limited coverage for mental health services.
Mental health conditions can be debilitating, and if not properly treated can lead to a number of complications down the road. That’s why it’s important that you have mental health-related services covered under your health insurance plan not only will it provide relief for those who need it, but it can also help prevent future problems from occurring.