1. The Mental Health Parity and Addiction Equity Act Evaluation Study: Impact on Mental Health Financial Requirements among Commercial “Carve‐In” Plans
- Author
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Friedman, Sarah A, Thalmayer, Amber G, Azocar, Francisca, Xu, Haiyong, Harwood, Jessica M, Ong, Michael K, Johnson, Laura Lambert, and Ettner, Susan L
- Subjects
Health Services ,Brain Disorders ,Clinical Research ,Mental Health ,Mental health ,Good Health and Well Being ,Deductibles and Coinsurance ,Health Benefit Plans ,Employee ,Health Expenditures ,Humans ,Insurance Coverage ,Insurance ,Psychiatric ,Mental Disorders ,Mental Health Services ,United States ,commercial insurance ,parity ,Public Health and Health Services ,Policy and Administration ,Health Policy & Services - Abstract
ObjectiveDid mental health cost-sharing decrease following implementation of the Mental Health Parity and Addiction Equity Act (MHPAEA)?Data sourceSpecialty mental health copayments, coinsurance, and deductibles, 2008-2013, were obtained from benefits databases for "carve-in" plans from a national commercial managed behavioral health organization.Study designBivariate and regression-adjusted analyses compare the probability of use and (conditional) level of cost-sharing pre- and postparity. An interaction term is added to compare differential levels of pre- and postparity cost-sharing changes for plans that were and were not already at parity pre-MHPAEA.FindingsControlling for employer/plan characteristics, MHPAEA is associated with higher intermediate care copayments ($15.9) but lower outpatient ($2.6) copayments among in-network-only plans. Among plans with in- and out-of-network benefits, MHPAEA is associated with lower inpatient ($23.2) and outpatient ($2.5) copayments, but increases in inpatient and intermediate in-network and out-of-network coinsurance (about 1 percentage point). Among the few plans not at parity pre-MHPAEA, changes in use and level of cost-sharing associated with MHPAEA were more dramatic.ConclusionMixed evidence that MHPAEA led to more generous mental health benefits may stem from the finding that many plans were already at parity pre-MHPAEA. Future policy focus in mental health may shift to slowing growth in cost-sharing for all health services.
- Published
- 2018