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New law guarantees mental health parity in insurance coverage

Posted on Mar 02, 2010

A new federal law which took affect on January 1 will ensure that medical health costs are comparable to physical health benefits. In the past, recipients of mental health care or substance abuse treatment could pay twice as much for treatment as they would for doctor's office visits for physical health concerns.

The new law applies to insurance groups with 50 or more employees and affects 140 million Americans. Higher deductibles and steeper co-pays will no longer be allowed for mental health or substance abuse treatment in comparison with other medical treatment. It does not, however, require insurance groups to provide mental health and substance abuse treatments, although most already do. The law does not apply to individual insurance policies.

The law as passed with broad bipartisan support in Congress. Mental health advocates are pleased with the results, while insurance providers feel that it is too expansive. However, the American Psychiatric Association claims that mental health only accounts for a fraction of health care costs overall.

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