insurance tagged posts

The government may not be open for business, but the market exchanges and 24 hour phone lines are operating today!

Marking today’s opening of the health exchanges, Care for Your Mind shares information and resources about who has to have insurance, what’s involved in enrollment, and what we know about mental health care coverage.

Millions more will now have access to mental health care

If you’re looking for health insurance, you have some new options! Today the health exchanges are open for business. That’s because today is the first day of the enrollment period for the health exchanges established under the Affordable Care Act (ACA) to enable the purchase of health insurance.

Here we are providing links to information covering the individual mandate, enrollment in a health exchange, and what is currently known about mental health coverage. Do you know how the ACA is changing health care?

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Carol McDaid
Winning strategies for filing a mental health insurance coverage grievance

CFYM Note: This is the last in the series by Carol McDaid on your rights with regards to mental health insurance parity laws and expanded coverage under the Affordable Care Act. Tuesday’s post provided an overview of what types of denials to look out for. Today, Ms. McDaid tells readers how to file a grievance for denial of mental health insurance coverage.

When should I file an appeal

Mental Health America compiled this list of questions to help you understand if you should appeal a coverage denial. At first glance, the questions may seem to require a sophisticated understanding of your plan and the law, but you can simplify it this way: If the answer is YES to any of the following questions, the plan is most likely not in compliance with the new laws.

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Carol McDaid
Parity Implementation Coalition

Follow these practical steps to win your appeal.

CFYM Note: Last week, Carol McDaid answered the question, “Doesn’t health insurance have to cover mental health care?” She also described steps to make sure you’re getting all the health care benefits you should. This week, Ms. McDaid covers what the mental health parity law means for you when you don’t get the benefits you’re entitled to.

From promise to reality

The fact that we now have two federal laws requiring mental health parity is cause for celebration—both for those of us who spent years advocating for the laws and those of us, me included, who have been denied coverage by our insurance plans.

The Mental Health Parity and Addiction Equity Act was signed into law in 2008. The Affordable Care Act goes into effect January 1, 2014, and will require more plans, including those in the newly created health insurance exchanges, to offer mental health parity. (Read more about the laws in Part 1 of this series.)

The federal laws are on top of state laws that exist in approximately 40 states to protect people from being denied mental health benefits through public and/or private employer-sponsored health insurance. (View a chart of state mental health parity laws from the National Alliance on Mental Illness.)

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Shortage of mental health care providers

In Tuesday’s expert perspective, Dr. David Baron provided insights into innovative treatment models that have been implemented throughout the country. These models range from rural areas in West Virginia to large urban cities such as Philadelphia and seek to provide broader access to mental health services. At first blush it might appear that these two geographic locations have little in common in regards to access to mental health care...

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David Baron, MSED, DO

Professor and Vice Chair, and Chief of Psychiatry, University Hospital, Keck School of Medicine, University of Southern California

Care For Your Mind: As the provisions of the Affordable Care Act are implemented, what are the big changes you see for mental health care?

David Baron: Mostly, they are positive changes. More people will receive services whether under expanded Medicaid or purchasing insurance: this will enable them to seek care that they might not have had previously. The key will be making sure there are enough professionals to provide the care that people need and, of course, helping people to understand what kind of care they are entitled to.

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On Tuesday, inspired by Labor Day, we looked at three mental health policy issues for employees. One of those was the declining number of people who have health insurance through their work.

What are the ramifications for people who do not have employer-sponsored health insurance?

Today, two members of the CFYM community describe their struggles to access mental health care services in the absence of employer-sponsored health insurance. After her health insurance through COBRA ran out, Janet faced the prospect of highly-restrictive coverage, then no coverage...

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Care for Your Mind

As we return from the Labor Day holiday and our annual tribute to the contributions of workers to the strength, prosperity, and well-being of our country, it’s fitting to take a quick look at mental health policy issues for employees. The Mental Health Parity and Addiction Equity Act of 2008 and the Patient Protection and Affordable Care Act of 2010 (ACA) presented new opportunities for people to receive mental health care from their employer-provided health coverage. The Mental Health Parity law attempts to level the field between medical/surgical health care and care for mental health and substance use disorders, while the ACA aims to open access to affordable health care, including behavioral health care services, for more people. Both of these laws come into play, in part, through employees’ health insurance benefits.

Fewer people are getting health insurance through work.

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William Tomasko
Enroll America

Start your timer. Count down the days. Open enrollment is coming. On October 1, consumers will be able to start signing up for the new health coverage options under the Affordable Care Act (ACA)—and there will be new opportunities for them to get help finding quality, affordable plans.

Our organization, Enroll America, is a nonprofit, non-partisan 501(c)3 dedicated to spreading the word about Americans’ new health coverage options. Working with our broad array of partners, we’re helping consumers get the facts about how they can get covered and engaging the entire health care community as we all mobilize for enrollment.

Out of those who reported having an unmet need for mental health care in 2011, nearly two-thirds said they went without care because they couldn’t afford it or because their health insurance either wouldn’t cover it at all or insufficiently covered it, according to data from the Substance Abuse and Mental Health Services Administration.

And around 30% of those who will soon be eligible for financial help through health insurance marketplaces or from expanded Medicaid have a mental illness or a substance use disorder. In total, around 11 million in need of mental health and substance use disorder care could benefit from newly enrolling in coverage this fall.

Getting these individuals enrolled will take one of the biggest outreach and public education efforts ever undertaken in the history of public health coverage programs. Why? Our research reveals that 78% of the uninsured don’t know (yet) about the coming coverage options. Our findings point to some of the most important messages to use to compel people to enroll, and the effective ways to reach them.

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