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NAMI Supports Domenici-Wellstone Bill For Full Insurance
Coverage For Severe Mental Illnesses
Bill Reflects National Trend: 31 States Have
Parity Laws, But Federal Legislation Is Still
Needed Statement by Laurie Flynn, Executive
Director The National Alliance for the Mentally Ill
(NAMI) | For
Immediate Release, May 18, 2000 Contacts:
Anne-Marie Chace 703-524-7600
The National Alliance for the Mentally Ill (NAMI) supports S.
796, the Mental Health Equitable Treatment Act, and recognizes the
progress that today's hearing by the Senate Committee on Health,
Education, Labor & Pensions (HELP) represents. We are grateful
for the leadership of Senators Pete Domenici (R-NM) and Paul
Wellstone (D-MN) in seeking to end discriminatory and harmful health
insurance coverage for adults and children with the most severe
mental illnesses.
This legislation will finish the work that Congress began in
1996. It will strengthen current federal law, building on a pattern
that has been achieved at the state level since that time. It will
expand parity for all Americans at a time when federal
employees-including Members of Congress-will begin enjoying such
coverage under the Federal Employees Health Benefit Plan (FEHBP).
S. 796 is consistent with the vision of last year's White House
Conference on Mental Health. It is also consistent with the recent
U.S. Surgeon General's report-the nation's first to address mental
healthcare needs. Its time has come. The legislation recognizes
severe mental illnesses as the real medical conditions that they
are. With its enactment, families across the United States will no
longer have to struggle to receive life-saving treatments that are
essential to recovery.
The Mental Health Equitable Treatment Act will require full
insurance parity for schizophrenia, bipolar disorder (manic
depression), major depression, obsessive-compulsive and panic
disorders, post-traumatic stress disorder, autism, and other severe
and disabling illnesses such as anorexia nervosa and
attention-deficit/hyperactivity disorder (ADHD). Insurers will be
required to fully reimburse services for these disorders at the same
level set for other physical conditions.
The approach is similar to that recently taken by many states,
focusing parity on the most severe, biologically-based brain
disorders. It establishes a legislative priority for coverage. Some
states have gone farther in coverage than others. Last year,
California, New Jersey and Virginia enacted laws that define much of
the center of gravity for the nation. Today, 31 states have parity
laws.
But federal legislation is needed. Too many disparities or gaps
exist. In some instances, certain states may have been placed at a
disadvantage.
State laws also do not cover the health plans of employees of
self-insured companies, because of federal preemption under the
Employee Retirement Income Security Act (ERISA).
To ensure fairness, the federal government must keep up with the
states. Federal-state harmony needs to be maintained.
This legislation will strengthen the 1996 law by prohibiting
unequal restrictions on annual or lifetime mental health benefits,
inpatient hospital days, outpatient visits, and out-of-pocket
expenses. It also prohibits limits on the number of inpatient days
or outpatient visits for treatment of mental illnesses in general.
The total cost of parity-based on actual experience-represents
less than a one- percent increase per year in the cost of health
insurance coverage. Businesses with 25 or fewer employees also are
exempted from the requirements of the bill. Parity is both
affordable and cost-effective. With parity, businesses in fact stand
to gain: from reduced absenteeism; reduced healthcare costs for
physical ailments related to mental illnesses; increased employee
morale; and increased productivity overall.
By enacting S. 796, Congress will reduce burdens on individuals,
families, businesses and communities. It will help save lives. It
will be an investment in both the workforce and America's future.
NAMI's efforts focus on support
to persons with serious brain disorders and to their families;
advocacy for nondiscriminatory and equitable federal, state,
and private-sector policies; research into the causes,
symptoms and treatments for brain disorders; and education to
eliminate the pervasive stigma surrounding severe mental
illness. |
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