Mental Health and Substance Use Disorder Benefits — Parity Requirements

The Affordable Care Act has literally turned benefits upside down. While we spend lots of time discussing the challenges the ACA affords employers, it has forced insurance carriers to provide more coverage with respect to Mental healthcare. The Mental Health Parity Act – part of the 2010 benefit changes to all health insurance plans continues to evolve. All insurance carriers both group and individual must provide coverage for mental health and substance abuse. Gone are the annual limitations, or separate deductibles and out-of-pocket limits for these conditions.

Mental health and substance abuse services are now treated as any other illness, and subject to annual deductibles and included in the annual out-of-pocket limit.

Click here more information regarding mental health parity.

Burman S. Clark

Burman S. Clark, RHU, CSA is the President of Muneris Benefits and a licensed insurance broker and consultant. His independent practice and focuses on employee benefits, individual life, disability, medical, and senior products. Burman has traveled extensively and provided guidance to large employer associations with regards to the Affordable Care Act.