Do You Pay Extra For a Policy Mental Health

Introduction

As far as mental health policy is concerned, the Mental Health Parity Act has been passed into law. It requires that the annual or lifetime dollar limits on mental health benefits should be lower, and not higher, than the dollar limits for medical and surgical benefits offered by a group health plan or health insurance issuer who offers coverage in connection with a group health plan. This law was signed by George W. Bush in the year 2008.

In accordance to the World Health Organization in 2004, depression is said to be the leading cause of disability in the country. This is relevant for people between the ages of 15 to 44. This has lead to economic effects where it is estimated $ 31 billion dollars are lost every year through the depressed people how are rendered disabled. In 2004, suicide was 11th on the Americas list of leading causes of death, and third among people between the ages of 15 and 24. Part of the reason for depression and these suicide attempts is attributed to the level of mental health.

Mental health refers to a level of psychological well-being or an absence of a mental health disorder. Mental health here can refer to a people ability to enjoy life and create a balance between the activities of life and efforts to achieve psychological resilience. It can also be defined as an expression of emotions as well as showing promise of a successful adaptation of a range of demands. Given these statistics, mental health policy is a necessity.

Metal health policy plans have a certain number of limits on the number of times you can visit, the amount deducted and this limits the amount of care a patient could receive. Supposing you have been diagnosed with a mental health condition and are searching for a mental health policy, it is good for you to look into your states laws in order to determine what your rights are as a citizen. Upon getting the information, you can now begin looking about for the plan that provides the best coverage available that is best suited to your needs. If you have a general health cover, check to see whether it provides for mental health policy cover. This coverage usually has a higher deductible and also higher co-payments that the general physical health insurance. You can then weigh your options after this.

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