Exemptions under state or local government coverage for employees like teachers and police officers and potentially illegal workarounds put in place by employers and insurers, coupled with lax oversight, have resulted in unequal access to care for millions of people. The pandemic has fueled a soaring need for mental health and substance abuse services, revealing deepening gaps in coverage under the Mental Health Parity and Addiction Equity Act of 2008, the landmark law intended to eliminate a double standard in insurance coverage. His parents are now shelling out thousands of dollars for another program, depleting all the money they had saved for his college tuition.Īnd the family of a dangerously depressed teenager chose to continue hospitalizing their child despite the refusal by their insurance plan, for West Virginia state employees, to cover more than 30 days of hospital care in a year, leaving them with tens of thousands of dollars in unpaid medical bills. Weeks later, he wound up back in the hospital. One 16-year-old spent 28 days in treatment for substance abuse but was forced to leave once his parents’ insurance coverage ran out.
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