The Affordable Care Act will create one of the largest expansions of mental health and substance use disorder coverage in a generation. Here’s what you need to know about mental health benefits.
Mental health parity because a benefits compliance issue in 1996 with the passage of the Mental Health Parity Act of 1996 (MHPA). This federal law prohibited health plans that covered mental health services from placing lower aggregate lifetime and annual dollar limits on these benefits than on medical/surgical services. Plans could still restrict coverage of mental health services in other ways-for example, placing a limit on the number of covered visits.