EQUAL ACCESS TO MENTAL HEALTH AND ADDICTION TREATMENT SERVICES IS YOUR RIGHT
The 2008 Federal Parity Law requires insurers to cover illnesses of the brain, such as depression or addiction,
no more restrictively than illnesses of the body, such as diabetes or cancer.
As rates of suicides and overdoses continue to climb nationwide, mental health parity is more important than ever. Unfortunately, many insurers are still not following the law.
WHY IS PARITY IMPORTANT?
Too often, people can’t get the help they need because of insurers’ overly aggressive managed-care techniques. Confused and overwhelmed with treatment costs that insurance won’t cover, many give up and suffer in silence. It is time to break that silence and shine a spotlight on a system that oppresses those with mental health and addiction challenges. Parity is now a human rights issue; it is time to demand change. Review the fact sheet to learn more.
IS YOUR INSURANCE COMPANY BREAKING THE LAW?
Insurer violations of mental health parity laws can take many forms, including placing limits on how long and how often patients can receive care, providing insufficient networks of mental health providers, and more. Most people are unaware that a parity violation has even occurred. If you know what to watch out for, you will be better equipped to assert your rights. Click this fact sheet to learn more about common parity violations and other important parity issues.
Learn to File an Appeal – Insurers count on the fact that most people will not appeal denied claims or make an effort to challenge suspect managed-care practices. This is unacceptable. By learning to file an appeal, you will be taking the first step to holding your health plan accountable for equal access to mental health and addiction treatment services. Get started…
Register a Complaint Against Your Health Plan – We must pressure elected officials, insurance commissioners, and attorneys general to enforce parity laws. The best way to do that is through data illustrating what families face each day. No one chooses to have a mental health or substance use disorder. Don’t tolerate discrimination. Access to care is your right. Get started…
What are Parity Rights?
Video from The Kennedy Forum
The System We Need
Video from The Kennedy Forum
Filing an Appeal Based on a Parity Violation
Issue Brief from The Kennedy Forum
Does your insurance cover mental health services?
Consumer guide to mental health parity from the American Psychological Association
Mental Health Insurance: Get the Whole Picture
Video from American Psychological Association
Get Help for Addiction: How to Find Quality Addiction Treatment
Patient guide to finding quality treatment from Center on Addiction
Pathways to Care: Treating Opioid and Substance Use Disorders
White paper and toolkit from the National Association for Behavioral Healthcare.