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Mental Health Parity and Addiction Equity Act (MHPAEA), was signed into law by President George W. Bush in October 2008. Learn how this law applies to your benefits and the equality of the mental health/substance abuse to the medical side. This is history in the making of 20 years! Under this law, insurance companies can no longer arbitrarily limit the number of days in a hospital or out-patient, or assign higher co-payments or deductibles for those consumers in need of mental health and substance abuse services.
Passage of this law is leading the health care system in the USA to start treating the whole person, mind, body and soul! This course is 1hour and 15 minutes long, and is structured in video content. We encourage any health benefit consumer to listen to this video to learn this law.
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|Section 1: A brief overview of the law and its key elements.|
This video will give a glimpse of what the course is about. We have attached a Glossary of Terms List. Please review this list, under supplemental materials, so that you become acquainted with these terms which we will use throughout the course. The course delves into the history of the law, what the financial requirements are, the role of governmental agencies, the types of classifications that are associated with this law, what to to look for in your health care plan and finally the role of managed care companies. This is a great course to learn about how Mental Health Reform Act (Parity Law) affects your health plan coverage.
|This chapter reviews the main topics of the course.|
|Table of Contents|
|Section 2: Learn about the reasons behind the law, and the actual applicability to your healthcare plan.|
|Who wrote the law and why it was written.|
|Finally, Parity has become a law!|
|This chapter delves into how much it costs America in terms of healthcare for mental health and substance abuse. It also discusses how both employees and employers suffer without equal coverage in health insurance against the medical portion.|
|This chapter discusses why the government decided to bring in the Parity Law. It also discusses why we see a rise in insurance costs due to this new law.|
|This chapter talks about who gets covered under the Parity Law and how benefits are determined.|
|The main governmental agencies involved in Parity Law are: HHH. Labor and IRS. This chapter reviews their roles in this law.|
|This Law is very extensive and causes confusion between members and providers, agencies and federal vs state groups. There is still lots to do and lots to solve.|
|Whoe gets the money? how does it affect the provider, consumer and finally the Insurance agency.|
|This chapter dicusses how mental health and substance abuse issues be covered.|
|This chapter discusse Treatment Limitations and coverage. This would be a good time to review the Glossary of terms. I have attached it again in this chapter.|
|Since this is a new law, many issues are still unresloved and if you have questions, please contact appropriate organizations to clarify your situation.|
|Section 3: In-depth review of classifications and health plan information.|
|This chapter talks about the 6 classifications of the law. No one can add or subtract these classifications.|
|This chapter discusses the process of coverage and, in the event of a denial, you know what steps you need to take to appeal the claim.|
|Section 4: What do Manage Care Companies offer you with this Law and statistics on this Law.|
|Somes issues brought up in this chapter are if all should be equal across the country, then why does one managed care company need no authorization for a test, while anther one does? Lots of issues yet to be resolved. It would be good to become a voice in parity coalition to help make the law as equal as possible across the nation.|
|How many Americans are familiar with the Parity Law and how many understand the treatment they get?|
|Section 5: Conclusion and Review and additional helpful documentation.|
There is lots to know and learn about in this new Law. Primarily, we have given you quite a bit of information on what it is, why it was instituted and how it is interpreted against the medical side of your coverage. Parity Law is still evolving and we are all hopeful that it serves the consumer to their benefit. Should you have any more questiond, regarding your own coverage, it would be a good idea to contact your managed care company to discuss your particular situation. Good luck and we are hoping this was informative and helpful. We have added some additional documents here that can be useful and used as additional resources for contacting specific state commisioners when your claims are denied or for further questioning about your claims and healthcare coverage. Thank you for listening to this course!
Roma and Julia.