- Posted by Austin Swim
- On January 14, 2015
- 0 Comments
- affordable care act, obamacare, open enrollment
The deadline to sign up for ACA open enrollment is coming to a close. There is only one month remaining to sign up for a Qualified Healthcare Plan under The Affordable Care Act. In other words, if you are interested in signing up for private health insurance in 2015 you must do it quickly. Unless however, you are able to get insurance through an employer or qualify for Medicare. Those interested in Medicare are not subject to the deadline, as enrollment continues throughout the year. The Affordable Care Act proposes many benefits for individuals who rely on mental health services. So, how does Obamacare benefit the behavioral health community and your family’s quality of life?
Rest assured that every health insurance plan will have these essential benefits in relation to mental health services, some of the key benefits you can rely on whether you choose a PPO, HMO or POS plan.
Obamacare’s Effect on Behavioral Health Needs
Your behavioral health ailments are covered
Mental health and substance abuse are now considered two of the “10 essential health benefits” that define minimum health benefits for new insurance plans. Because mental health is now covered, the U.S Dept. of Health and Human Services will provide you, and an estimated 32 million other people, with behavioral health and substance abuse benefits.
Your family’s health issues receive “parity” under the Law
Insurance companies can no longer treat mental health problems lightly. The updated Mental health Parity and Addiction Equity Act (MHPAEA) forces companies to make substance abuse care as available as surgical care. Overall, that makes it easier to find a plan that fits all of your needs without compromises.
Yes, all health plans will cover prescription drugs
Before the ACA only a fraction of health plans supported coverage for prescription drugs. Now all plans will provide coverage as it is now mandatory under the law.
No, insurance companies will not impose restrictions on amount of care you can receive.
Insurers are not allowed to impose time or money restrictions on your families needs. In the event of an emergency you’ll be able to take full advantage of the health services available.
Worried about a mental illness? That’s Ok, insurance companies can’t deny you or a loved one coverage.
The ACA has your back in maintaining when you need service you’ll get it. If yourself or a loved one has a pre-existing condition, it will not limit insurance options.
Want more general facts about ACA see the top 10 things to know about the ACA
Now that you have a better understanding of how ACA influences your mental health needs it’s time to start shopping for health insurance. Ready to get an estimate? Select your state and start researching what kind of plan works best for your situation.