Health Insurance vis-à-vis Regular Health Care Insurance
The National Alliance on Mental Illness (NAMI) report entitled “A Long Road Ahead: Achieving True Parity in Mental Health and Substance Use Care” reported a significant finding that the current state of mental health insurance services in the United States has been facing a crisis. Despite the Affordable Care Act (ACA) legislation, popularly referred to as Obamacare, that requires every mental health insurance company to equally treat filing claims for mental health related benefits as regular health care, still denied claims are widely prevalent. It also distinguishes the several systemic barriers why mental health claims do not have functional equality with other medical and surgical benefits. Further, it reports how insurance companies in the United States intentionally avoid the existing state health care legislation.
NAMI’s report has implied that the Obamacare legislation disappointingly fails to create a more substantial and satisfying improvements with respect to the delivery of mental health services. Considering the significant deficiency of mental health professionals in some parts of the US, especially in the rural region, the inconsistency of doctor’s availability largely compromises the eligibility for a valid insurance coverage. More so, coverage of the plans is circumvented by mental insurance companies through outwitted clauses that, most of the time, defines what specifically warrants a legitimate and counted coverage.
Another barrier to parity is that admitted patients of psychotherapy or psychiatric medication cases are, most of the time, require to outlay personal cash for medications, which is really inevitable. This becomes a very good escape for insurance companies because they typically accommodate prescription medications that are “tiered”. Study results imply that even with partial medical coverage, still treatment-seeking individuals are spending a substantial amount of out-of-pocket costs in the form of coinsurance, copay contributions and other deductibles according to the type of insurance plan one has.
Two of the most widely regarded problem is that insurance companies do not provide sufficient, detailed and clear information to the insurers with respect to the specific cases that are covered by the plans. The other one is that these companies established complicated wordings and complex legal framework relative to the enforcement of mental health equality These two common issues apparently depicts the vagueness of the companies’ stance to parity law and prevents patients from determining where to start should they seek for intervention.
This inequality created in the realm of mental health service provision implies how the US health care policy becomes a dictating ground for the huge, wealthy insurance companies rather than becoming a fairground for the general public.
Your email address will not be published. Required fields are marked *
Nice post, Thank you for sharing valuable information. I enjoyed readi ...
Any study that compares opioids to other pain-relief medicines? ...
Hey, very nice site. I came across this on Google, and I am stoked tha ...
Thanks for the information. I attended it and it was nice to learn the ...
Oh my goodness! Awesome article dude! Thank you so much. Thanks!! ...
Aetna Announces The Completion of $1 Billion Bond Public Offering
Aetna Declares A Brighter Experience For Entire Members of Aetna Dental Team
Urgent care chain utilizes patient feedback to empower performance
Patrick Conway is quitting CMS to supervise BCBS North Carolina
Copyright© 2015 Healthcare insurance News All Right Reserved