Mental Health Parity Act

In September 2007, the United States Senate collectively passed the Mental Health affinity Act (MPHA) of 2007. If the Act passes, it will ensure that private wellness insurance plans provide equal coverage for mental health as it would for physical health. In which case, insurers cannot establish different pecuniary requirements for mental health, such as deductibles, co-pays, annual and lifetime limits. Thus, health plans will no longer ban discriminatory limits on number of outpatient visits and days of inpatient coverage for mental health c ar services, and prevent state laws affecting financial requirements and interposition limitations for mental health c ar services.

The concept of parity way of life equal treatment for mental health services as it would for health check and surgical services. Parity is important because it demonstrates desirability for policyholders to taste mental health treatment, thereby taking a obstructive care approach that will possibly reduce cost at many levels. Like access to general medical care, access to mental health care can work an important role in whether people receive the treatment. intimately health insurance includes mental health benefits. However, such benefits are more limited than medical/surgical benefits especially as it relates to the number of visits cover, higher patient cost-sharing requirements, and limits on total expenses covered by the plan.

According to the American Psychological Association (APA), ii third of 44 million Americans with mental disorders either are under-treated or receiving no treatment at all. Moreover, recent search indicates that more than one out of four American has a diagnosable mental disorder, but the majority cannot afford treatment (Maxfield, Achman, Buck, & Teich, 2007, p. 83). In 1999, approximately 76% of the United States cosmos had some mental health benefits (Maxfield, Achman, Buck, & Teich, 2007, p. 94). Yet, less than one-half (about 44%) of the U.S. population had mental health benefits...

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