Notes

Mental Health Coverage - Anxiety Disorders
Many plans usually do not provide adequate coverage for mental disorders such as schizophrenia, ADHD, and anxiety disorders. Many people do not appear to recognize that treating anxiety disorders requires both medication and frequent visits to the psychiatrist. The price of treatment adds up as time passes, learning to be a crushing burden if health insurance will not provide financial assistance. Unfortunately, even though medical health insurance plans offer mental coverage of health, they often charge higher deductibles and severely limit treatment. This makes it difficult for those with mental disorders to find the treatment they need. Fortunately, it is only a matter of time before insurance providers will be necessary to provide basic coverage for anxiety disorders.

Insurers recognize that mental disorders often require lifetime treatment. This makes them somewhat reluctant to cover the price of medication. From a business perspective, insurance firms believe that covering mental disorders will make them lose cash. While this might be true, it creates the lives of people with mental health disorders difficult. Many insurance companies compensate for potential losses by requiring higher premiums and deductibles. They hope that by severely limiting the number of mental health coverage they offer, people with mental disorders will not file an excessive amount of claims.

The Mental Health Parity and Addiction Equity Act passed two years ago addresses a few of these concerns. The act requires insurers to provide mental coverage of health benefits add up to those provided for other medical ailments. Quite simply, this law will do away with excessively high deductibles and low treatment caps. Unfortunately, this law only applies to group health plans and businesses with an increase of than 50 employees. In addition, it will not require health insurers to provide basic coverage for mental disorders. It is a significant step in healthcare reform, however.

THE INDIVIDUAL Protection and Affordable Care Act that has been passed this year should further decrease the gap between mental health coverage and coverage of other styles of conditions and medical procedures. This act, among many other things, states that insurances plans sold through state exchanges must definitely provide a basic degree of coverage for mental disorders. This law applies to smaller businesses and individual plans. The law will get into effect in 2014. This can greatly increase the scope of insurance coverage and can provide insurance to an additional 32 million Americans. Although these laws increase coverage for anxiety disorders along with other mental health problems, t here is still quite a distance to go before everyone with a problem can receive adequate care.

If you need assistance in locating particular coverages at a pre-determined price, we can help you save around 50% on your health insurance.

Sean L Johnson is a journalist for Health Insurance Buyer a referral service that refers consumers to the insurance carriers that may best fit their wants and needs. Get a free MEDICAL HEALTH INSURANCE Quote [http://www.health-insurance-buyer.com] today, you can save up to 50% on your own monthly premium
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