Substance disorder parity form 2025

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Parity is the Law Health insurance plans CANNOT put higher limitations on the number of visits or days of coverage for your behavioral health care than they do for other medical care.
The four Cs of addiction are a set of characteristics that describe the core elements of substance use disorders. These four Cs include compulsion, control, craving, and consequences.
MHPAEA generally provides that financial requirements (such as coinsurance and copays) and treatment limitations (such as visit limits) imposed on MH/SUD benefits cannot be more restrictive than the predominant financial requirements and treatment limitations that apply to substantially all medical/surgical benefits in
The Mental Health Parity and Addiction Equity Act (MHPAEA) provides federal protections for certain types of health plans. This parity requires health insurance plans to cover mental health and substance use disorders in a similar way to medical and surgical benefits.
In practice, parity between mental and physical health means (Bailey et al, 2013): equal access to effective, safe care. equal efforts to improve the quality of care. the allocation of resources on a basis commensurate with need.
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Based on decades of research, DSM-5 points out 11 criteria that can arise from substance misuse. These criteria fall under four basic categories impaired control, physical dependence, social problems and risky use: Using more of a substance than intended or using it for longer than youre meant to.
Key Provisions of the Proposed Rule The proposed rule: Clarifies that the purpose of MHPAEA is to ensure plan participants can access their MH/SUD benefits in parity with their medical/surgical benefits. Requires plan/issuers to provide meaningful MH/SUD benefits.

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