A Tale of Two States: Do Consumers See Mental Health Insurance Parity When Shopping on State Exchanges?
A Tale of Two States: Do Consumers See Mental Health Insurance Parity When Shopping on State Exchanges?
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DOI：
10.1176/appi.ps.201400582
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发表时间：
2015-06-01
影响因子：
3.8
通讯作者：
Barry, Colleen L.
中科院分区：
文献类型：
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作者：
Berry, Kelsey N.;Huskamp, Haiden A.;Barry, Colleen L.
根据《平价医疗法案》建立的健康保险交易所出售的所有保险产品都必须按照2008年《保罗·威尔斯通和皮特·多梅尼奇精神健康平等和成瘾平等法案》（MHPAEA）的要求提供精神健康和物质使用障碍福利。本专栏确定了消费者在两个国营交易所购买保险产品时观察到的平价合规性的两个维度。作者讨论了一些明显的差异与要求ofMHPAEA在这些可观察到的尺寸，强调这些因素对消费者的决定计划招生的潜在影响。该分析揭示了保险发行人如何向潜在投保人提供行为健康福利的微妙情况，并说明了对平价合规性和交易所选择潜力的更广泛担忧。突出强调了四个具体的差异，作为进一步评价的领域。
All insurance products sold on the health insurance exchanges established by the Affordable Care Act are required to offer mental health and substance use disorder benefits in compliance with requirements of the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA). This column identifies two dimensions of parity compliance that consumers observe while shopping for insurance products offered on two state-run exchanges. The authors discuss a number of apparent discrepancies with the requirements ofMHPAEA in these observable dimensions, emphasizing the potential impact of these factors on consumers' decisions about plan enrollment. The analysis reveals a nuanced picture of how insurance issuers are presenting behavioral health benefits to potential enrollees and illustrates broader concerns about parity compliance and the potential for selection on the exchanges. Four specific discrepancies are highlighted as areas for further evaluation.