
According to yesterday's comprehensive article in the "New York Times" by Sarah Kershaw, this month the House has passed a bill that would require insurance companies to provide mental health insurance parity.
HALLELUIA! HALLELUIA! HALLELUIA!
Writes Kershaw:
It was the first time it has approved a proposal so substantial.
The bill would ban insurance companies from setting lower limits on treatment for mental health problems than on treatment for physical problems, including doctor visits and hospital stays. It would also disallow higher co-payments. The insurance industry is up in arms, as are others who envision sharply higher premiums and a free-for-all over claims for coverage of things like jet lag and caffeine addiction.Parity raises all sorts of tricky questions. Is an ailment a legitimate disease if you can’t test for it? A culture tells the doctor the patient has strep throat. But if a patient says, ‘‘Doctor, I feel hopeless,’’ is that enough to justify a diagnosis of depression and health benefits to pay for treatment? How many therapy sessions are enough? If mental illness never ends, which is typically the case, how do you set a standard for coverage equal to that for physical ailments, many of which do end?
I suppose I might be a tad more excited about this than the average person because Eric and I spent $30,000 in mental-health fees during the fiscal year of 2006: two hospital stays that were supposed to be covered but weren't, thousands of dollars in therapy because after eight sessions I hadn't been cured, medication, and of course our $12,000 premiums for a year, since Eric works for a small firm, where he is one of the youngest architects and (surprise!) some of them aren't in perfect health.

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