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Health Insurance for Patients with Mental Illness and Substance Use
Date:6/24/2013

(PRWEB) June 24, 2013

Americans with mental illness had a good reason to celebrate when the Supreme Court upheld President Obama’s ‘Affordable Care Act’ last year. The law promised to give them something they have never had before: near-universal pre existing condition health insurance, not just for their medical problems but for psychiatric disorders as well. Health Insurance Guaranteed, a pre existing condition medical insurance company, now offers an Affordable Healthcare plans for those with mental Illness and substance use.

In attribution to nytimes.com article July 2012 - Until recently, people with mental illness and substance disorders have faced stingy annual and lifetime caps on coverage, higher deductibles or simply no coverage at all. This was supposed to be fixed in part by the Mental Health Parity and Addiction Equity Act of 2008, which mandated that psychiatric illness be covered just the same as other medical illnesses. But the law applied only to larger employers (50 or more workers) that offered a health plan with benefits for mental health and substance abuse. Since it did not mandate universal psychiatric benefits, it had a limited effect on the disparity between the treatment of psychiatric and nonpsychiatric medical diseases. Now comes the Affordable Care Act combining parity with the individual mandate for health insurance.

According to the National Institute of Mental Health, nearly 57.7 million people in America suffer from mental disorders in a given year. Affordable healthcare for those with mental illnes
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