Introduction
Mental health insurance covers many medical sicknesses. It is stipulated by the federal government and it has set a rule that all the medical illnesses be covered under the mental health insurance. This has led to the coverage of many people who are suffering mental illnesses. There has been very many efforts to improving the coverage but it can still be said that there has not been a good attainment of proper mental health insurance today in many governments. Although the laws have been put in place, there is yet more to be done in the improvement of perceptions on proper mental health insurance to all the people.
History
The mental health insurance was signed and entered into action and treaty in the year 1996 by the US government. The law was renewed in the year 2002.there are many benefits and advantages based on both medical and surgical at the same time.
Features
In America more than 36 states are having mental health insurance, this has been provided in the federal laws. On the other side, there are very many existing gaps on the mental health insurance act. They can be discussed as follows. The insurance laws are not supposed to be part or provide for mental health insurance victims. It is not applicable to people who abuse drugs or even chemical dependency. To get the full mental health insurance, it is advised that the parents should not let the children to be in the custody. This will help them get the proper mental health insurance for their children and ensure that they have undergone the right treatment. There is a continued set of terms and conditions which state the number of maximum visits that the victims must visit the as it appears on the coverage. In many states there are campaigns which have been running to enforce and also strengthen the mental health insurance among all the people living in the states. They are fighting to make the most strong way fo getting the confidence of health insurance in the world today. The people fighting for this will make the best way to get the insurance on higher grounds. For instance there have been efforts among the people to enforce the timothy’s law. The law which was laid down in new York would extend the services beyond what has been offered by present mental health insurance in the federal government. It would also improve many services provided by the insurance coverage.
Tips and comments
There are also other policies which have limited the mental health insurance, for instance the private insurance .they have allowed and accepted the treatment of substance abuse victims. Many people who give support the timothy’s law argues on the following points.
They say that there is a parity and discrimination for the existing mental health insurance. They also argue that lack of insurance on health is very dangerous. Moreover they support and maintain that the insurance would help families keep in touch and together. They have further argued that the mental health insurance is good in terms of cost. If the laws are enforced in the states, it will see a dawn in the improvement and change of health care .this will make people live in security.
