We use cookies to improve security, personalize the user experience,
enhance our marketing activities (including cooperating with our marketing partners) and for other
business use.
Click "here" to read our Cookie Policy.
By clicking "Accept" you agree to the use of cookies. Read less
What You Need to Know About Parity Laws and Mental Health Care
Definition & Meaning
Parity laws are regulations at both the federal and state levels that ensure equal access to mental health care compared to physical health care. These laws prohibit insurance companies from imposing stricter limitations on mental health services than those applied to physical health services. The specifics of parity laws can vary significantly from state to state, with some states, such as Arkansas, offering comprehensive coverage for all types of mental illness.
Table of content
Legal Use & context
Parity laws are primarily relevant in the context of health care law and insurance regulation. They are used to address disparities in coverage that can affect individuals seeking mental health treatment. Legal practitioners may encounter parity laws when advising clients on health insurance issues, or when representing clients in disputes with insurance providers regarding coverage for mental health services. Users can often manage related issues through legal forms and templates provided by platforms like US Legal Forms.
Key legal elements
Real-world examples
Here are a couple of examples of abatement:
For instance, under Arkansas parity laws, an individual diagnosed with depression would have access to the same level of care and treatment options as someone with a physical ailment, such as diabetes. This ensures that both types of health issues are treated equally by insurance providers.
Relevant laws & statutes
Key federal legislation includes the Mental Health Parity and Addiction Equity Act (MHPAEA), which mandates that insurance plans provide equal benefits for mental health and substance use disorder services. State laws may also include specific provisions that enhance these protections.
State-by-state differences
State
Parity Coverage
Arkansas
Broad coverage for all mental illnesses.
California
Strong protections, but specific limitations may apply.
Texas
Parity laws exist, but coverage may be more limited than in other states.
This is not a complete list. State laws vary, and users should consult local rules for specific guidance.
Comparison with related terms
Term
Definition
Difference
Mental health parity
Similar to parity laws, focusing specifically on mental health services.
Parity laws encompass both mental and physical health services.
Insurance coverage
The extent to which health services are covered by an insurance policy.
Parity laws specifically address the equality of coverage between mental and physical health.
Common misunderstandings
What to do if this term applies to you
If you believe that your mental health care access is being unfairly restricted by your insurance provider, review your policy for parity provisions. You may also consider filing a complaint with your state insurance department. For assistance, explore US Legal Forms for templates that can help you navigate this process. If the situation is complex, seeking professional legal advice may be beneficial.
Find the legal form that fits your case
Browse our library of 85,000+ state-specific legal templates.