Parity is about fairness. Americans with behavioral health conditions often have more difficulty getting the treatment and services they need when compared to individuals seeking other medical care. Explore parity-related information regarding legislation, statutes, and regulatory actions since the Federal Parity Law was passed in 2008.
Oklahoma Parity Law
- Bipolar disorder
- Major depressive disorder
- Panic disorder
- Obsessive compulsive disorder
- Schizoaffective disorder
Plans are not required to cover services for other mental health conditions and substance use disorders, but if they do the coverage must be the same as what is required for “severe mental illness.”
Coverage for severe mental illness, and any other covered behavioral health conditions, must “be equal to” and “no more restrictive” than what is in place for other medical services for the following:
- Prior authorization
- Utilization review
- Outpatient care
- Medication coverage
- Lifetime maximums
- Copayments and coinsurance
- Home visit coverage
- Any other treatment limitations
Plans must cover either 26 days of inpatient care or the same inpatient day limit that is used for other medical care, whichever is greater.
This section allows plans to file for an exemption if they can demonstrate that coverage of “severe mental illness” caused premiums to rise by at least 2% over the course of a year.
- Oklahoma Insurance Division