Mental Health Parity Survey
Have you or a loved one been treated unfairly by your health insurance plan when seeking mental health/addiction services?
If you answered yes, you will want to read further.
Under Federal and Missouri Law, you may have rights that protect you and your loved one when seeking mental health/addiction treatment.
NAMI St. Louis members and supporters have worked to pass what is known as “Mental Health Parity Laws”. this mean that insurance
benefits for mental health and, in some cases, substance use conditions are equal to coverage for other types of health care.
If insurance companies do not cover mental health and addiction services/treatment at the same level of other medical conditions,
they may be breaking the law!
NAMI St. Louis is working with the Kennedy Forum, ParityTrack and other mental health and substance use disorder advocates to improve and
better enforce “mental health parity laws” in Missouri. In order to do this, we need your help. If you think that you or your loved ones’ rights have
been violated under the parity laws, please let us know by completing this survey.
A few examples of parity violations are:
My insurance plan often makes me get their permission to continue mental health/addiction treatment. If your insurance plan orders medical necessity reviews for mental health/addiction services more often than for other health services, it may be a parity violation.
I’m being charged more for prescription medication for mental health/addiction treatment than I am for prescription medication for other treatments. It may be a parity violation if your insurance plan charges you more for prescription medications simply because they are used for mental health/addiction treatment.
My co-pay is higher than it is for other health care services. It may be a parity violation if your insurance plan requires a more expensive co-payment or coinsurance for mental health/addiction services than what you are required to pay for other medical care.
I have limits on how many times I can see a mental health/addiction treatment provider. If your insurance plan does not have the same limits on how many times you can see a health provider for any other type of treatment, it may be a parity violation.
To see more examples of mental health parity laws violations, click here.