Ensuring Fair Coverage with Mental Health Parity Testing
Mental health parity testing is the process of evaluating whether health plans offer mental health and substance use disorder (MH/SUD) benefits on equal terms with medical and surgical benefits. Required under the Mental Health Parity and Addiction Equity Act (MHPAEA), this testing ensures that limitations—such as copayments, prior authorizations, or treatment limits—are not more restrictive for MH/SUD services. Parity testing involves both quantitative analysis (e.g., financial requirements) and non-quantitative treatment limitations (NQTLs) like medical management criteria. Employers, insurers, and third-party administrators must regularly perform these tests to demonstrate compliance. Accurate mental health parity testing promotes fairness, removes barriers to mental health care, and supports a more balanced, stigma-free approach to overall well-being in health plan design. https://www.cxcsolutions.com/compliance/mental-health-parity/
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