Federal laws, or possibly regulations written to inforce the law, requires that if a health plan offers a benefit for mental health, then the health plan must cover them to the same extent that they cover medical and surgical care.
The law prohibits treatment limits and copayments or deductibles for mental health that are more restrictive than a plan's medical coverage.
Plans need not cover mental health benefits, but if they do, they must cover inpatient and outpatient services, emergency care and prescription drugs.
Health plans may treat preferred providers differently than nonpreferred providers, so a consumer could have higher copays for nonpreferred providers in their insurer's network for mental health outpatient services than for preferred providers,.
State parity laws that are more stringent than federal parity laws are not pre-empted. For example, some states' parity laws require coverage of particular services or benefits on top of the federal requirements. For example, some states require autism coverage.
Autism coverage? I don’t know autism has a treatment. I must wonder what that treatment might include.
Autism = Care Provider coverage. The person can't manage on their own.
And I believe that not only including mental health coverage (something that has been majorly needed for years now) ($300 a month for Risperdone - Trust me they're not dodging the meds because they believe they're mind-wipe drugs to shut them up ) I also don't believe that coverage will be in use for very long - It only takes the right person to offer advice in a manner comprehensive to the patient where something clicks and that patient proceeds to mend themselves (I'm talking about schizophrenia and depression whose cure relies heavily on the individual's cognitive practices. ).
First I had a counselor tell me and then a psychiatrist many years later.
They both said the same thing but the second time made sense.
"Congratulations you are now on the same page as the rest of us but your new perception of reality is not an issue unless it causes you grief or results in irrational decision making )."
Most people just need to find others who are completely aware of what they are on about and then help offer different perspectives such as "Left in the dark" can be seen as "Provided an advanced challenge."
Or "Well, no - if you suspect others can sometimes overhear your thoughts that isn't delusional but it is still and undefined science which many are still exploring and it isn't some highly unknown secret conspiracy that you were the first to uncover - Perhaps some research on the net might help you to realize that you are not alone in your theories."