The Mental Health Parity Act (MHPA) requires that group health plans offer equal lifetime and annual payment limits for mental and physical illnesses, if those plans provide any mental health benefits.
The MHPA prohibits health plan discrimination for coverage of treatment of mental illnesses. Although the MHPA does not require mental health coverage, it does require that if mental health coverage is provided, annual and lifetime maximum dollar limits be equal to those for medical or surgical benefits. If a group health plan has no dollar limits to plan payments for medical or surgical services, limits are not permitted for mental health services.
The MHPA requires that annual or lifetime dollar limits on mental health benefits be no lower than any such dollar limits for medical and or surgical benefits offered by a group health plan or health insurance issuer offering coverage in connection with a group heal...(register to read more)