Reply to Fed Employees: Health Insurance Advice for Mental Health Coverage, e.g., PPD?

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Reply to "Fed Employees: Health Insurance Advice for Mental Health Coverage, e.g., PPD?"

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[quote=Anonymous]With the mental health parity law your insurance MUST cover mental health treatment at the same level as physical health conditions.  By law they CANNOT make the co-pays more expensive or put other restrictions that do not exist for physical health.

If there are network does not have ANY mental health providers, psychiatrists, psychologists, social workers or licensed clinical counselors that are in network and have appointments available you need to argue the case that they pay out of network even if you don't have out of network coverage.  They are essentially limiting your benefit by putting artificial barriers in the way of you getting treatment.  You could raise this via your HR department, but many people are reluctant to do so because of stigma.  You can raise it with the insurance commission for your state, you can raise it with a supervisor for your insurance company and finally you can complain to HHS because they are not abiding by the mental health parity law.  The insurance company should not matter -- it is the LAW that your coverage should comply with.  I'm sorry that you are faced with this.[/quote]

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