Monday, January 25, 2010
Mental $=physical $
Over time, insurance cos and employers have treated mental illness as the stepchild of physical illness.
Sort of like it’s not “real” and too expensive to boot.
Higher copays, fewer allowed visits, that sort of thing.
Now the Mental Health Parity and Addiction Equity Act of 2008 cuts in.
Depression and alcoholism are two things that make it hard to work and be productive. About 8% of adults suffer from major depression.
Anorexia, bulimia, drinking disorders…all plague the work force.
These changes may result in some rises in premiums. Companies with more than 50 people are affected. Companies with fewer than that can get out of it if they can prove the new rules will raise premiums more than 2%.
Many cos already offer smoking cessation, weight loss, alcoholism treatment and other benefits—now more will.
Will any stigma disappear? Who knows. If you need the help, get it, and forget worrying about stigmas. Most people think about themselves and not you.