Health Insurance and Mental Health: A Guide to Mental Health Benefits

Transcript 00:08 as Americans we are now more in control 00:12 of choosing our health insurance 00:14 coverage but it seems like the options 00:16 are as overwhelming as they are endless 00:18 the Affordable Care Act’s mental health 00:21 parity and addiction Equity Act requires 00:23 private health insurance plans to 00:25 provide equal

Transcript

00:08
as Americans we are now more in control
00:12
of choosing our health insurance
00:14
coverage but it seems like the options
00:16
are as overwhelming as they are endless
00:18
the Affordable Care Act’s mental health
00:21
parity and addiction Equity Act requires
00:23
private health insurance plans to
00:25
provide equal amounts of mental health
00:27
benefits as medical and surgical
00:29
benefits not all plans are subject to
00:32
this act so it is up to us to discover
00:34
if our plans have changed by asking the
00:36
right questions
00:37
of the right people health insurance
00:40
plans are filled with language that can
00:42
be misinterpreted find out what terms
00:44
like deductible coinsurance and
00:47
out-of-pocket maximum means so that you
00:49
can know how your money is spent and
00:50
what you will get in return
00:52
to learn about your specific benefits
00:55
pertaining to physical and mental health
00:58
prepare a list of questions to ask your
01:01
insurance provider some things you will
01:04
want to identify are what is the term
01:07
for your benefits which disorders fall
01:11
under mental health and what does it
01:13
mean if your policy states that you have
01:15
a set number of days of mental health
01:17
insurance getting your questions
01:20
answered today will better prepare you
01:22
for tomorrow’s unexpected accidents and
01:24
ailments you’ll be able to estimate your
01:27
bills know which tests are covered under
01:29
your plan and choose the perfect plan
01:31
for your changing lifestyle to learn
01:34
more about understanding your insurance
01:36
visit the information center at Blake
01:39
Recovery Center org or carrierclinic.org
01:44
you
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