Notes

Mental COVERAGE OF HEALTH - Anxiety Disorders
Many insurance policies do not provide adequate coverage for mental disorders such as for example 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 health coverage, they often charge higher deductibles and severely limit treatment. This helps it be difficult for those with mental disorders to obtain the treatment they need. Fortunately, it is only a matter of time before insurance providers will be required to provide basic coverage for anxiety disorders.

Insurers realize that mental disorders often require lifetime treatment. This makes them somewhat reluctant to cover the expense of medication. From a business perspective, insurance companies think that covering mental disorders will make them lose cash. While this might be true, it makes 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 amount of mental health coverage they provide, people who have mental disorders won't file a lot 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 conditions. Put 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. get more info will not require health insurers to supply basic coverage for mental disorders. This can be 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 a great many other things, states that insurances plans sold through state exchanges must definitely provide a basic level of coverage for mental disorders. This law applies to smaller businesses and individual plans. The law will go into effect in 2014. This can greatly raise the scope of insurance coverage and can provide insurance to yet another 32 million Americans. Although these laws increase coverage for anxiety disorders and other mental health problems, there's still quite a distance to go before everyone with a problem can receive adequate care.

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