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Parity and the Mental Health Insurance

Soon, we will be seeing mental health insurance being treated the same way as medical and surgical benefits. In the very near future, we are going to see the Addiction Treatment benefits accruing the same value in returns as those of the other surgical procedures. This was effected by the signing of the congressional economic recovery package which was done on the third day of October, a package which has the Mental Health and Addiction Parity Act a rider coming with it.

The Congressional Act signed will see a sure change in the way that the insurances will be writing the benefits for the mental and addiction health problems that their clients would be suffering from. Since the year of 1973, the HMO’s started putting limits on the benefits for the addicts and alcoholics and this actually has seen the number of days reduced to the number we see today for the addicts and alcoholics in the rehab facilities. Interestingly, you will find some policies which will be simply allowing for detox and have no allowance for any reimbursement for any continuing or aftercare for the patients.

For a family faced with financial cost for the treatment of addiction, they often felt betrayed by the insurance providers when they found out that the providers did not just carry such coverage. The net effects of all this would see serious impacts on one’s financial standing as they would in some cases lead to the sale of home or some other property, transfer the bill on their cards and worse still, the patients deserving the treatments would go without the necessary care and treatment.

The Mental Health and Addiction Parity Act will have lots of benefits for those who are enrolled in a State regulated or Employer funded insurance schemes. The plans were to take effect in January of the year 2010. However, the plans are actually no case for the filing of outrageous bills by the rehab centers and eating disorder treatment plans on the insurance providers. The benefits will quite still need to be managed and the medical necessity as well proved for legitimacy.

The other very effective treatment for addiction is reality treatment. Should you be suffering from an addiction, it is no need suffering alone. Today, you can follow some links so as to get you connected to some of the best specialists to help you deal with whatever condition you could be suffering from. The services from the professionals will be a step to ensuring that you receive the right treatment plan that will surely get you on the path to recovery.

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