Could is Nationwide Psychological Well being Consciousness Month and many individuals have been experiencing better stresses because the COVID-19 pandemic. Many households are nonetheless going through financial challenges and anxieties in regards to the well being of family members. In honor of Psychological Well being Consciousness Month, I wish to take a second to remind Oklahomans that every one complete main medical insurance policy are required by regulation to cowl psychological well being and substance abuse providers.
Underneath Oklahoma regulation, well being insurers providing complete medical health insurance plans will need to have an sufficient community of suppliers and therapy amenities for psychological well being and substance use dysfunction circumstances. They can’t restrict the variety of visits you make to such suppliers and can’t cost better co-pays for outpatient psychological well being and substance dysfunction providers than different major care medical providers. Right here is a few useful insurance coverage data that will help you perceive your entry to psychological well being providers.
Psychological well being protection choices
The federal parity regulation typically applies to the next forms of medical health insurance:
• Employer-sponsored well being protection for small teams (underneath 50 workers) and huge teams (over 50 workers).
• Protection bought by medical health insurance exchanges created underneath the well being care reform regulation also called the Reasonably priced Care Act.
• Youngsters’s Well being Insurance coverage Program.
• Medicaid program (SoonerCare). Necessities could differ; contact the Oklahoma Well being Care Authority if you’re uncertain how the federal parity regulation applies to your Medicaid advantages.
Eligibility and declare points
Test your description of plan advantages – it ought to embody data on behavioral well being providers or protection for psychological well being and substance use problems. If you happen to nonetheless aren’t certain, contact your insurance coverage firm immediately or contact us at 800-522-0071.
In case your psychological well being declare is denied, all the time ask why. Your well being plan may have a course of to evaluation and attraction denied claims. You or your supplier might also file a criticism with us. Take a look at the Nationwide Alliance on Psychological Sicknesses’ suggestions for what to do if you happen to’re denied care by your insurance coverage provider.
For extra data on shopper rights and protections, go to our Psychological Well being web page at www.oid.ok.gov/mentalhealth. You may also go to the Oklahoma Division of Psychological Well being and Substance Abuse Providers at https://www.ok.gov/odmhsas or name 2-1-1.
With regards to our well-being, psychological well being is simply as essential as bodily well being. Test along with your medical health insurance firm to search out out what choices can be found. Many plans provide particular hotlines or cowl psychological well being visits by telehealth. If you happen to need assistance, please attain out.
For extra insurance coverage data, contact the Oklahoma Insurance coverage Division at 1-800-522-0071 or go to our web site at www.oid.ok.gov.
Glen Mulready is Oklahoma insurance coverage commissioner.