News that insurance coverage of mental illnesses must be equal to coverage of any other health care challenge is heartening, wise and a long time coming. Now the real work begins.
Our work.
On Friday, the Obama administration officially clarified that insurers may not discriminate against people facing mental health and substance-abuse issues. Building upon the Wellstone-Domenici Mental Health Parity and Addiction Equity Act of 2008, Friday's declaration set in stone a no-tolerance policy for insurance companies who, for decades, have legally treated Americans with mental illnesses as second-class citizens.
It was common, for example, for people to pay more out-of-pocket for mental health treatments than for physical treatments. Hospitals or insurance companies might cover 85 percent of physical ailments, but 60 percent of mental health concerns. And someone with a knee replacement could be covered for a rehabilitation facility until healed. That's not generally true for someone with an eating disorder.
While most individual and small-group policies remain exempt, our state's new online health insurance exchange, called MNsure, will follow parity in coverage of mental health and substance-abuse issues.
"Even more people will get covered," said a buoyed Sue Abderholden, executive director of NAMI, the National Alliance on Mental Illness Minnesota.
But mental health parity is only part of the healing. Larger copays are a minor frustration to people facing shaming or silence from co-workers, family members and friends who would never shun someone with a cancer diagnosis.
While people facing cancer, heart disease or MS are often called courageous, Abderholden said you never hear that word spoken about someone with a mental illness, although you should.