Finally, after five long years of dickering, the Obama administration has issued new regulations on how insurance companies will administer coverage of mental illness and substance abuse.
Long a hallmark of the late Sen. Paul Wellstone, the 2008 mental health parity law requires insurers in large group plans that offer mental health coverage be equal to what is offered for patients with physical illnesses. Now the Affordable Care Act provides that same parity for individual and small group health insurance plans.
In announcing the new regulations, Health and Human Services Secretary Kathleen Sebelius will end discrimination of mental health patients who faced higher out-of-pocket costs or limitations on hospital or doctor care compared to those with physical illnesses.
But the work is not complete. The National Alliance on Mental Illness noted the regulations don’t extend to Medicaid and, said NAMI’s executive director, “Some of our most vulnerable people are still being left behind.”
The continued struggle of people suffering from mental illness is not remedied with insurance reform. As we learned at a special state Senate joint committee hearing last week in St. Peter, the mental health services process is inefficient and cumbersome.
A peer specialist at South Central Crisis Center said it makes an already stressful situation even more difficult to endure.
The purpose of the hearing was to determine what the Minnesota Legislature could do to improve mental health care.
As reported by The Free Press, suggestions included subsidized housing and more financial support for long-term services. The Community Behavior Health Hospital in St. Peter has 16 beds for treating people in a mental health crisis, but there isn’t enough staff to cover those beds.
Another recommendation was shortening the legal process for committing someone. People have been placed on 72-hour hospital holds about 75 times in Nicollet County this year. Of those incidents, there were 23 commitment requests. Only 14 of those requests were approved by a Nicollet County judge during the legal process required for commitment.