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Mental Health Parity

The Federal Mental Health Parity and Addiction Equity Act demands that financial requirements and treatment limitations for mental health or substance abuse disorder benefits covered by a qualified group health plan are no more restrictive than the requirements and limitations applied to covered medical and surgical benefits. 29 U.S.C. § 1185a. 

For example, qualified entities must ensure coverage is at parity for things like:

  • Copayments.
  • Coinsurance.
  • Out-of-pocket expenses.
  • Frequency of treatment.
  • Number of visits.
  • Days of coverage.

Notably, some courts have concluded it is a violation of federal and state parity laws to deny coverage for treatments like Applied Behavior Analysis (ABA) for individuals with Autism Spectrum Disorder.

If you feel you or your child may have been unlawfully denied insurance coverage or benefits in connection with mental health treatment, please contact our consumer rights attorneys.

Type of Investigation

Mental Health Parity