Insurance Department Reminds Pennsylvanians of Mental Health, Addiction Treatment Parity Laws
In recognition of Mental Health Awareness Month, the Pennsylvania Insurance Department is highlighting its continued work to ensure that insurers operating within the commonwealth are following state and federal parity laws, allowing those faced with mental health or substance use disorders continued access to needed care.
Under the Affordable Care Act (ACA) and Mental Health Parity and Addiction Equity Act (MHPAEA), health insurance plans and insurers must offer mental health and substance use disorder benefits that are no less restrictive than their coverage for medical or surgical care. These benefits include quantitative limitations (copays, deductibles, and limits on inpatient or outpatient visits that are covered) and non-quantitative limitations (pre-authorizations, providers available through a plan’s network, and what a plan deems “medically necessary”).
