The Benefits Of Mental Health Care Coverage

Yet many people still aren't aware that the law exists or how it affects them. In fact, a 2014 APA survey found that more than 90 percent of Americans were unfamiliar with the mental health parity law (American Psychological Association). Many people might end up not receiving the appropriate therapeutic services that they need because their medical insurance does not cover it. However, medical insurance does cover some of it. For example, for physical therapy, some insurers require a referral from a doctor. People consider physical therapy to be a necessity as long as it's prescribed by a physician and significantly improves physical functions that were limited because of a disease, illness or surgical procedure. On the other hand, others do not consider physical therapy to be necessary for someone whose condition is getting worse or if the patient is not showing improvement. (Holmes). Many people question and ask themselves why doesn’t my insurance cover these needed services, and what can I do in order for my insurance to fully cover it? Unfortunately, many mental health provders do not accept insurance, more than likely because of the cost. Many insurance

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.

According to the World Health Organization, mental illness will affect approximately 25% of people at some point in their life (“WHO Qualityrights”, n.d.). Despite that, the current mental health care system in the United States is inadequate. Many aspects of the system need improving, especially the barriers to service. In fact, approximately 20% of individuals are left without necessary treatment for their mental health disorder (“Mental Health”, 2016). Mentally ill individuals have difficulty accessing necessary mental health care services for various reasons; insurance, socioeconomic status, and mental health stigma can all function as barriers to treatment. Insurance discrimination can make it difficult for individuals to find treatment (Han, Call, Pintor, Alarcon-Espinoza, & Simon, 2015). Gaps in insurance coverage can also be a barrier, as they disrupt the long-term treatment process (Gulley, Rasch, & Chan 2011). Socioeconomic status has been found to negatively affect appointment scheduling (Kugelmass, 2016). Finally, stigma in our society can also stop people from seeking out treatment that they need (Bathje & Pryor, 2011). The mental health system in the United States is not capable of caring for the mentally ill, as insurance, socioeconomic status, and perceived stigma all act as barriers that prevent people from receiving the treatment they need.

Mental health in America is a stigmatized topic that affects nearly 20% of the population and around 1 in 4 people will be affected by a mental illness at some point in their life (World Health Organization, 2010). However, due to the stigma behind mental health, people often do not seek treatment. As for the homeless population, the rates are much higher, with 1 in 4 homeless individuals living with a severe mental illness (Jasinski, Wesely, Mustaine, & Wright, 2005). These people and this population struggles to receive adequate healthcare, but with the enactment of the Affordable Care Act (ACA) or better known as ObamaCare, there have been positive change made to help these individuals. However, the ACA is not perfect and there are

Problem Statement: The World Health Association defines ‘good’ health as: “a state of complete physical, mental, and social well-being and not merely the absence of disease or infirmity.” However, in the United States, access to care and funding for mental health care are grossly neglected and underfunded in comparison to other aspects of health care.

An interesting finding by Huskamp and Iglehart (2016) is that between the Mental Health Parity Act (MHPA) and the Affordable Care Act (ACA), there should be a rise in people with mental illness seeking services, however, services are underutilized more than ever (Huskamp & Iglehart, 2016). According to Bendant (2014), in 2013 a total of 47 million people uninsured and 25% of those suffer mental illness (Bendant, 2014). These numbers are staggering for a service that is more inclusive now more than ever. The Center for Medicare & Medicaid Services (CMS) site indicates that the MHPA is regulated differently depending on the state (CMS, n. d.). The Department of Labor (DOL) has identified a few problems with the MHPA and addressed these issues to Congress via a 2017 report (DOL, n.

Almost half of the population in the US are affected by mental health conditions every year. A diagnosable mental illness affects about 43 percent of the U.S. population at some point in their lives. 75 percent of youth are left with no or insufficient treatment. If mental illness is recognized early on, it can help citizens avoid large medical bills down the road and could help lessen the amount of homelessness, unemployment, suicides, shootings, bad decision making, etc.

The piece of this health reform act related to mental health stipulates that there be state laws mandating or regulating mental health benefits ("NCSL," 2012). This author has found no literature that indicates the effectiveness of the PPACA. Perhaps it is too early to determine the success or failure of the PPACA.

Due to the State of California cutting back on spending towards people with mental illnesses it affected a lot of people. Some of the people with a mental illness could no longer cover the costs to care for themselves and ended up becoming homeless because of it. Mental health is a serious concern in communities that needs to get resolved or worked on rather than cutting back funding for this issue. In California alone “more than 2 million children, adults, and seniors are affected by potentially disabling mental illnesses every year in California” (mhsoac.ca.gov). There should be adequate funding to make sure that people diagnosed with a mental illness and can

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).

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.

Lack of access to mental health care and treatment is one of the top ten reasons that many mental health conditions go untreated. Many private and group health insurance plans only include minimal mental health care coverage or do not incorporate mental health care coverage at all. Over half of adult citizens of the United States of America, who possess a mental illness, do not obtain mental health care treatment. According to the U.S. Department of Health and Human Services, one out of every five adults in America have endured their own mental health difficulty, and one out of every twenty-five American adults suffer from a severe mental illness, such as major depression, schizophrenia, or bipolar disorder. (Top 5 Barriers to Mental Healthcare Access, Social Solutions.com, 2017)

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.

When looking through the different companies to decide which have the best benefits I found that a lot of companies try to offer great benefits, but fall short in the mental health area. Every company should afford their employees a chance to help with whatever stressors they encounter, especially in the work place. Working in the corrections, human services or any other career that involves children and their family, should afford their employees a place they can vent and get over frustration of having limited ability to help. Benefits are a high seller in choosing the right business for your career choice. Comparing the differences will show how important it is to provide the right benefits for the right career.

Access to mental health care is not as good as than other forms of medical services. Some Americans have reduced access to mental health care amenities because they are living in a countryside setting. Others cannot get to treatment for the reason of shortage of transportation or vast work and household tasks. In some areas, when a