{"id":110,"date":"2012-09-23T19:24:45","date_gmt":"2012-09-23T19:24:45","guid":{"rendered":"https:\/\/dbmafl.com\/?p=110"},"modified":"2013-12-24T04:17:50","modified_gmt":"2013-12-24T04:17:50","slug":"mental-health-parity-and-the-affordable-healthcare-act","status":"publish","type":"post","link":"https:\/\/dbmafl.com\/?p=110","title":{"rendered":"Mental Health Parity and the Affordable Healthcare Act"},"content":{"rendered":"<p>Currently the Mental Health Parity Act that was put in place in 2008 is only law for large group policies-those with 50 or more employees.\u00a0 So a small group or an individual policy does not have to comply with this law.\u00a0 In addition usually small groups or individual policies do not have to comply with most state laws concerning mental health.\u00a0\u00a0 This will change, in part, in 2014 when the Affordable Care Act requires such plans to cover an essential set of services including mental health and substance abuse.\u00a0\u00a0\u00a0 Mental Health Parity only speaks to the limits that were in force the visit limits and dollar limits.\u00a0 It does not speak to deductible but it is supposed to speak to out of network benefits.\u00a0 If out of network benefits are a part of the policy for say Oncology they are not permitted to exclude mental health or substance abuse.\u00a0\u00a0 Bottom line is consumers need to pay attention to where they are getting coverage.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Currently the Mental Health Parity Act that was put in place in 2008 is only law for large group policies-those [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[6],"tags":[],"class_list":["post-110","post","type-post","status-publish","format-standard","hentry","category-legislative-and-new-processes"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.7.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mental Health Parity and the Affordable Healthcare Act - DB Management &amp; 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