What mental health parity means for you
- Your health plan’s deductible, copayments, coinsurance and out-of-pocket maximum apply to mental health services.
- Your health plan must ensure you receive continuing coverage of prescription drugs for behavioral health conditions without unnecessary treatment disruptions (PDF 138.74KB).
- Your health plan covers medications for mental health conditions just like other prescription drugs.
- Health plans can't refuse to cover mental health services that are medically necessary.
- Your health plan can’t deny or limit your benefits for mental health services based on your age, condition or because your treatment was interrupted or you didn’t complete it.
How to resolve benefit concerns with insurance companies
If you believe your insurer isn’t covering mental health services, file a complaint. We will review your concerns with the company.
If your health plan denies your claim for mental health services, you can appeal their decision.