Quantitative treatment limitation

I have a separate deductible for behavioral health services that is not part of my overall deductible.

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Quantitative treatment limitation

It may be a parity violation if your insurance plan makes you pay separate deductibles for behavioral health services and other medical services.

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Differing Co-pay

My co-pay for behavioral health services is higher than it is for other health services.

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Differing Co-pay

It may be a parity violation if your insurance plan requires a more expensive copayment or coinsurance for behavioral health services than what you are required to pay for other medical care.

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Calendar

I have limits on how many days I can stay in a treatment facility.

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Calendar

If your insurance plan does not have the same limits on how many days you can stay in any other kind of inpatient medical facility, it may be a parity violation.

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Bed

I have limits on how many times I can see a behavioral health provider.

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Bed

If your insurance plan does not have the same limits on how many times you can see a health provider for any other type of treatment, it may be a parity violation.

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Prescription Costs

I’m being charged more for prescription medication for behavioral health treatment than I am for prescription medication for other treatments.

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Prescription Costs

It may be a parity violation if your insurance plan charges you more for prescription medications simply because they are used for behavioral health treatment.

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Insurance Permission

My insurance plan often makes me get permission to before I can start behavioral health treatment.

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Insurance Permission

If your insurance plan requires your health providers to get prior authorization to begin behavioral health services more often than it does for other health services, it may be a parity violation.

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Insurance Permission to Continue

My insurance plan often makes me get their permission to continue behavioral health treatment.

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Insurance Permission to Continue

If your insurance plan orders medical necessity reviews for behavioral health services more often than for other health services, it may be a parity violation.

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No Residential Treatment

My insurance plan refuses to pay for residential behavioral health treatment that my doctor says I need.

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No Residential Treatment

If your insurance plan will not cover residential treatment or partial hospitalization for behavioral health services, but it does for other medical services, it may be a parity violation.

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Quantitative treatment limitation

My doctor says I need a certain behavioral health treatment, but the insurer says I need to try a less expensive treatment first.

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Quantitative treatment limitation

If your insurance plan requires you to try a less expensive treatment before it will cover the treatment recommended by your doctor, it may be a parity violation.

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Regional Coverage

My insurance plan won’t pay for behavioral health treatment outside of my state or region.

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Regional Coverage

If your insurance plan puts geographical limits on where you can receive behavioral health services but does not do the same for other medical services, it may be a parity violation.

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