Notes

Mental Health Coverage - Anxiety Disorders
Many plans do not provide adequate coverage for mental disorders such as for example schizophrenia, ADHD, and anxiety disorders. Many people do not seem to realize that treating anxiety disorders requires both medication and frequent visits to the psychiatrist. The expense of treatment adds up over time, learning to be a crushing burden if medical health insurance will not provide financial assistance. Unfortunately, even when medical health insurance plans offer mental health coverage, they often charge higher deductibles and severely limit treatment. This makes it difficult for those with mental disorders to achieve the treatment they want. Fortunately, it is only a matter of time before insurance agencies will be required 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 the business perspective, insurance companies think that covering mental disorders can make them lose cash. While read more may be true, it makes the lives of people with mental health disorders difficult. Many insurance firms compensate for potential losses by requiring higher premiums and deductibles. read more hope that by severely limiting the quantity 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 some of these concerns. The act requires insurers to supply mental coverage of health benefits equal to those provided for other medical conditions. In other words, this law can do away with excessively high deductibles and low treatment caps. Unfortunately, this law only pertains 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 just a significant step in healthcare reform, however.

The Patient Protection and Affordable Care Act that was passed this season should further decrease the gap between mental health coverage and coverage of other styles of conditions and surgical procedure. This act, among a great many other things, states that insurances plans sold through state exchanges must provide a basic level of coverage for mental disorders. This law applies to smaller businesses and individual plans. The law will get into effect in 2014. This will 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 and other mental health problems, there's still a long way to go before everyone with a disorder can receive adequate care.

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

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