The Mental Health Parity and Addiction Equity Act of 2008 requires most health plans or health insurers that offer coverage for mental health conditions or substance use disorders to make these benefits comparable to those offered for medical and surgical benefits. This means that deductibles, copays, out-of-pocket maximums, and treatment limitations for mental health or substance use disorders must not be more restrictive than corresponding requirements or parameters offered for medical and surgical benefits. SAMHSA is providing these new resources to help inform Americans of their insurance benefits under law and to help state insurance regulators and behavioral health staff better understand parity laws.
There are protections in federal law, collectively known as “parity,” which are designed to ensure that certain types of health plans cover mental and substance use disorders no less generously than they cover other health issues. This resource can guide you to helpful materials and places.
This document provides an overview of essential information necessary for understanding mental health and substance use disorder parity and how to implement and comply with federal parity laws. This guide applies to parity laws in employer-sponsored health plans and group and individual insurance.
This brochure gives an overview of the Mental Health Parity and Addiction Equity Act of 2008. It lists some of the common limits placed on mental health and substance use disorder benefits and services.