Analysis: The ACA Mental Health Expansion

The Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA) is an act that requires parity or equality between mental health treatment and medical/surgical treatment covered by private and public insurers with over 50 employees. That means that if an insurance covers mental health issues they can’t impose more stringent limits and financial requirements than medical/surgical coverage. The act was signed into law in 2008 by President George W. Bush. Before the act was signed into law, mental health care was not as affordable or accessible for individuals. (United States Department of Labor, 2016)

Mental Health coverage prior to the Affordable Care Act was far to none. With about nearly one-third of currently covered individuals having no coverage for substance abuse disorder services and approximately 20% having no coverage for mental health services. Services such as outpatient therapy visits, impatient crisis intervention and stabilization were among many that were not offered. Since the Affordable Health Care Act has been passed more individuals are able to afford health insurance that were once uninsured. It has helped many individuals in being able to obtain medical services that were once inaccessible.

What is left is that we have many citizens who are mentally ill and are not receiving treatment. However the patients who are able to receive treatment are only able to have some treatment covered. Health insurers are responsible for covering the immensely large cost of substantial treatment, a mixture of medication and therapy; since therapy is highly priced, less reliable, and time consuming; patients typically do not receive treatment for therapy. Health insurers would much rather cover medication because it is cheaper, it heals patients faster, and it is more reliable than therapy. However, medication is not made to heal, but to only coax symptoms of a mental illness (Sandberg).

I read a news article on Medscape which talks about increasing access to mental health care. The rule require provisions of the Mental Health Parity and Addiction Equity Act of 2008 to apply to the majority of Medicaid plans and the Children’s Health Insurance Program (CHIP) (Brooks, 2015). The act ensures that mental health and substance use disorder benefits are no more restrictive than medical and surgical services (Brooks, 2015). I strongly believe that individuals deserve access to quality mental health services and substance use disorder services. In addition, improving quality and access to care will impacts the health of our nation. The proposed rule ensures that all beneficiaries who receive services through a managed care plan or

In today’s society there is a greater awareness of mental illnesses. With this greater awareness one might assume that there would be a substantial increase in government involvement or funding in the area of mental illness treatment. Unfortunately this isn’t the case in the U.S. today. There are hundreds of thousands of people with mental illness that go untreated. These potential patients go untreated for many reasons. These reasons are discussed in the Time article “Mental Health Reform: What Would it Really Take.

Statistical data reveal that 25% of adult Americans have a mental illness, and more than half of the U.S. population will develop a mental illness at some point during their lifetime (CDC; APA). "Major Depressive disorder is a leading cause of disability for ages 15-44. Major depressive disorder affects approximately 14.8 million American adults, or 6.7 percent of the U.S. population age 18 and older in a given year” while anxiety disorder affects …40 million…adults ages 18 and older…” (NIMH; APA). Comparatively, cardiovascular, diabetes, epilepsy, obesity, cancer, and asthma, and other chronic diseases are surfacing with increased frequency among the mentally ill (CDC; APA). The aforementioned finding elicits question about medical

The American mentally ill population faces numerous barriers to acquiring basic services that those without mental illness receive daily. Advocating for the mentally ill population gives a voice to those who cannot voice their problems or may not know how. Mental illness is often misdiagnosed or underdiagnosed. Individuals who are not properly diagnosed cannot receive necessary medical treatment which can help them live normal lives. When needed medical treatment is not made available, those who suffer often end up homeless, and frequently cycle in, and out of the judicial system because their

Imagine living in a world of constant chaos with having no relief from hearing voices, hallucinations, mood swings (highs and lows), anger, confusion, violence, and erratic sleep patterns. People with serious mental illness continue to deal with a few or all the symptoms listed. According to the Kim Foundation “An estimated 26.2 percent of Americans ages 18 and older or about one in four adults suffer from a diagnosable mental disorder in a given year. When applied to the 2004 U.S. Census residential population estimate for ages 18 and older, this figure translates to 57.7 million people” (thekimfoundation.org). Many times these people see no end in sight causing them to become destructive and violent towards family,

According to the National Conference of State Legislatures, all states now some type enacted law. These laws may vary some in different states, but can be divided into three categories; Mental Health "Parity" or Equal Coverage Laws, Minimum Mandated Mental Health Benefit Laws, Mental Health "Mandated Offering Laws. In this report, I will be covering Mental Health “Parity” or Equal Coverage Laws. Insurance coverage has been an issue when it comes to mental health. However, parity now prohibits insurers or health care plans from discriminating between coverage offered for different illnesses. This includes mental illness, substance abuse, and other physical disorders

According to stateline.org, “In 2014, 43.6 million adults had a mental illness... Fewer than half of these people received treatment” (Ollove). Mental health disorders are a growing epidemic in the United States. Tens of thousands are diagnosed each year, however few decide to seek treatment. Costly medications and treatment options are often to blame, as they are difficult for patients to afford. Mental health care coverage should be included in all health insurance plans because mental health disorders should be treated the same as any physical illness, it benefits society as a whole, and many mentally ill patients cannot afford necessary medication or care.

A huge percentage of Americans suffer from various mental illnesses. 1 in 5 adults in the US, or 18.5% of the population, will experience mental illness in a given year (NAMI). With these mental illnesses come so many difficult questions. How can we improve the lives of Americans struggling with mental illnesses? What happens if these Americans become harmful to themselves or others? And how can we help and keep their families involved? The American government as well as several organizations have been trying to tackle these issues. Congressman Tim Murphy created a bill called the Helping Families in Mental Crisis Act (H.R. 2426) that seeks to “fix the nation’s broken

On August 29, 2016, Presidential candidate Hillary Clinton released an impressive plan for addressing the issue of mental health care in the United States.1 This plan echoes numerous bipartisan bills that have been produced in Congress over the past several years and seems to be one of the few issues that both sides of the aisle can agree on.2 Earlier this year, a bill providing additional support to mental health care was passed in the House with a 422-22 vote3, so it is now up to the Senate to pass its own reform. If lawmakers fail to send a bill to President Obama before leaves office, which is likely, the responsibility will fall on the next president to move forward. If this turns out to be Ms. Clinton, her stance on the subject is obvious. She and the lawmakers working on these issues already seem to agree on many important aspects; first and foremost that treatment of mental and physical health should be given the same priority. Other aspects of Clinton’s plan focus on early diagnosis and intervention, federal support for suicide prevention, improved outcomes in the criminal justice system, and integrating the mental and physical health care systems. Another large piece is putting resources toward supporting and enforcing laws already in place. Ms. Clinton also proposed $5 billion for community health centers to provide mental health and substance abuse treatment in addition to traditional medical care and advocated for the use of telemedicine to

An estimated one in six U.S. adults lives with a mental illness (44.7 million in 2016), according to the National Institute of Mental Health (NIMH, 2018), so how does this affect them? By enacting this law, co-payments, treatment caps and deductibles cannot cost more for people with mental illness than those with a physical illness.

After receiving insurance, a nine percent increase in mental health service utilization was found amongst previously uninsured young adults (Antwi, Moriya, & Simon, 2015). This is important, as many mental illnesses

Just last year 1 in 5 Americans suffered from mental illness. Everyday Americans and people in other countries are suffering because of mental illness and they should be treated to matter the cost. Mental health has just as much effect on the body as does physical health. Which that comes to my essential question. Should health care companies cover mental health treatment? One side says yes because that would help millions of people with getting treatment because the cost is too extensive for them. But on one side of the claim some people say that the cost is too severe to cover everyone’s mental health treatment through insurance. Nevertheless, It is extremely essential that no matter the cost that people are being treated for their mental illnesses. Many people are suffering from unfair treatment from insurance companies with mental health issues to prove that I will talk about that people really do suffer, that mental health patients really do want help and lastly that it is legally deemed to be treated the same insurance wise.