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Coverage for Children’s Mental Illness Reduces Out-of-Pocket Spending
Providing equal insurance coverage for mental illness reduces out-of-pocket expenditures for families who have children with mental illness, a Yale School of Public Health study reports in the journal Health Services Research. “Prior research has left policymakers with the impression that state parity laws will neither break the bank nor confer much benefit,” said Colleen Barry, Ph.D., assistant professor in the division of Health Policy and Administration (HPA) at the Yale School of Public Health and lead author of the study. “But our study indicates that these laws are providing important economic benefits to families of mentally ill children. This information may be important to policymakers considering enacting parity or expanding existing laws.” Barry and Susan Busch, Ph.D., associate professor in HPA, said health plans typically provide less insurance coverage for mental health compared with other medical care. Many states have passed mental health parity laws in an effort to improve equity in private insurance and reduce financial risk for those with mental illness. At the federal level, Congress is currently considering two competing versions of comprehensive parity legislation. Research has demonstrated that mental health benefits can be offered on par with other medical services without significantly increasing health insurance premiums. Studies also indicate that state parity laws have had little effect on the use of mental health services. Barry and Busch said little is known about how state policies affect the financial burden of seeking mental health treatment. Using data from the Centers for Disease Control 2000 National Survey of Children with Special Health Care Needs, the researchers examined how state parity laws affect out-of-pocket health care spending and other measures of the financial burden of treatment costs on families. Results indicate that living in a parity state significantly reduced the financial burden on families of children with mental health care needs. Specifically, the authors detect significantly lower out-of-pocket health care spending among families with children needing mental health care living in parity states compared with those in states without parity laws. Forty percent fewer families in parity states report their child’s health care has caused financial problems. The project was supported by a grant from the Robert Wood Johnson Foundation through its Changes in Health Care Financing and Organization initiative, which supports research, demonstration, and evaluation projects examining major changes in health care financing. For more information contact Barry at colleen.barry@yale.edu |
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