The Paul Wellstone & Pete Domenici Mental Health Parity & Addiction Equity Act of 2008, passed by the House on September 23, 2008, will allow employers to offer more comprehensive mental health coverage without significant additional cost, while significantly reducing out-of-pocket costs for plan participants. H.R. 6983 does not mandate group health plans provide any mental health coverage. However, if a plan does offer mental health coverage, then, it requires:
* Equity in financial requirements, such as deductibles, co-payments, coinsurance, and out-of-pocket expenses. * Equity in treatment limits, such as caps on the frequency or number of visits, limits on days of coverage, or other similar limits on the scope and duration of treatment.
* Equality in out-of-network coverage.H.R. 6983 would not affect state laws that offer stronger consumer protections.
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