When it comes to a person’s well-being, both mental health and physical health issues can be equally debilitating and overwhelming, if in different ways. However, insurance companies have long resisted treating them equally, building in separate deductibles, higher copays, and lower lifetime limits—when mental health coverage has been offered at all. But two laws are shifting the landscape. The Mental Health Parity and Addiction Equity Act of 2008 kicked in this past summer: insurance plans that provide mental health and addiction benefits cannot demand higher rates or lesser coverage for therapy and other treatment as they do for physical health treatment. And while mental health coverage is still optional, the recent health care overall will require mental health coverage for all plans beginning in 2014.
© Copyright 2010 by By John Smith, therapist in Bellingham, Washington. All Rights Reserved. Permission to publish granted to GoodTherapy.org.
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