Your Mental Health A Survey of Americans Understanding of the Mental Health Parity Law
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- Terence Hudson
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1 Your Mental Health A Survey of Americans Understanding of the Mental Health Parity Law American Psychological Association Harris Interactive January 2011
2 A Survey of Americans Understanding of the Mental Health Parity Law An overwhelming majority of Americans remain unaware and unfamiliar with a new law providing equal coverage of mental health benefits by insurance companies according to a recent survey conducted by Harris Interactive for the American Psychological Association. This survey was conducted online within the United States between December 14 and 27, 2010 among 2,940 adults aged 18+ who reside in the U.S. Key findings Few Americans (7 percent) have heard of the term mental health parity and even fewer have heard of the Mental Health Parity and Addiction Equity Act of But the majority of those who have heard of the new law view it positively. More than half of adults report they have adequate mental health care. However, nearly one-third report they do not know if they have adequate coverage. Most adults surveyed have health insurance but nearly half of those with insurance are not sure if their insurance reimburses for mental health care. When asked to identify reasons why they or family members would potentially not seek treatment from a mental health professional not knowing if it is appropriate to seek help and lack of knowledge about how to find the right professional were two of the top most commonly cited reasons.
3 One-quarter of the adults in the survey reported they have received treatment from a mental health professional. Of these, three-quarters used their insurance benefits to cover costs. In the cases where insurance was not used, the top reasons given were that they did not have insurance or there was little or no cost difference. Additionally, when asked to identify reasons why they or family members might not seek treatment, cost and coverage concerns topped the list. Few adults selected stigma as a reason for not seeking treatment. The goal of this survey was to better understand what American s believe regarding mental health benefits, access to mental health services, potential stigma associated with accessing mental health services and whether, and why people access their health benefits when seeking mental health services. Methodology This survey was conducted online within the United States by Harris Interactive on behalf of the American Psychological Association between December 14 and 27, 2010 among 2,940 adults aged 18+ who reside in the U.S. Results were weighted as needed for age, sex, race/ethnicity, education, region and household income. Propensity score weighting was also used to adjust for respondents propensity to be online. Respondents for this survey were selected from among those who have agreed to participate in Harris Interactive surveys. Because the sample is based on those who were invited to participate in the Harris Interactive online research panel, no estimates of theoretical sampling error can be calculated.
4 Awareness of Mental Health Parity Few (7 percent) have heard of the term mental health parity. Of those who have heard of the term, 65 percent define mental health parity as mental and physical care are equal or receive same coverage or benefits. Awareness of Mental Health Parity Meaning of Mental Health Parity Not sure 10% Yes 7% Mental and physical care are equal/receive same coverage/benefits Equal Other 3% 11% 65% No 83% Nothing 1% Don't know 8% BASE: ALL RESPONDENTS (n=2940) Q815 Have you heard of the term mental health parity? BASE: QUALIFIED AND HAVE HEARD OF MENTAL HEALTH PARITY (n=176) Q820 What does the term mental health parity mean, as you understand it? Declined to answer 13%
5 Mental Health Parity Act of 2008 Few adults (4 percent) have heard of the Mental Health Parity Act of Even after given a description, few (2 percent) adults said they are aware of the law. Awareness of Mental Health Parity Act of 2008 The Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA) is a law that will make sure mental and physical health coverage/benefits are equal. Have you heard of this law? Yes 4% Yes 2% Not sure 7% No 89% No 91% Not sure 6% BASE: ALL RESPONDENTS (n=2940) Q825 Have you heard about the Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA)? BASE: QUALIFIED AND HAVE NOT HEARD OF MENTAL HEALTH PARITY AND ADDICTION EQUITY ACT (n=2845) Q830 The Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA) is a law that will make sure mental and physical health coverage/benefits are equal. Have you heard of this law?
6 Information about Mental Health Parity Act Of those who have heard about the mental health parity act, 53 percent report what they heard was positive and 20 percent report it was negative. Was what you heard about MHPAEA 20% Negative Very negative 7% Somewhat negative 13% Very positive 31% Neutral 27% Somewhat positive 22% 53% Positive BASE: HEARD OF MHPAEA (n=156) Q835 Was what you heard about the Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA) positive, negative or neutral?
7 Information about Mental Health Parity Act The most commonly known information about the mental health parity act is that it creates equality for mental health services compared to physical health services and its objective is to end discrimination against those seeking treatment for mental health and substance abuse disorders. What have you heard about MHPAEA? It prohibits insurance companies from assigning higher coinsurance, co-payments or deductibles for mental health services (compared to physical health services) Its objective is to end insurance discrimination against those seeking treatment for mental health and substance abuse disorders 57% 56% It requires equal lifetime and annual dollar limits for treatment of physical and mental health disorders 44% It requires equal out-of-pocket limits for treatment of physical and mental health disorders 43% Not sure 10% BASE: HEARD OF MHPAEA (n=156) Q840 Specifically, what have you heard about Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA)? Please select all that apply.
8 Experience with Treatment from a Mental Health Professional One-quarter (25 percent) of adults report they have received treatment. Of those, three-quarters (76 percent) used insurance to help pay for the cost of treatment. Received Treatment from Mental Health Professional Used Insurance Benefits to Cover Costs Decline to answer 4% No 70% Yes 25% Yes 76% No 12% I did not have health insurance when I received treatment 11% BASE: ALL QUALIFIED PATIENTS (n=2940) Q750 Have you ever received treatment or therapy from a psychologist or other mental health professional? BASE: RECEIVED TREATMENT FROM MENTAL HEALTH PROFESSIONAL (n=801) Q755 When you received treatment or therapy from a psychologist or other mental health professional did you use your insurance benefits (coverage) to help pay for the cost of treatment?
9 Experience with Treatment from a Mental Health Professional Lack of mental health coverage was the most cited reason why insurance was not used. Reason Insurance Was Not Used I didn't have mental health coverage when I was seeing a mental health professional 25% There was little to no cost difference 22% My psychologist or mental health professional didn't accept my insurance 9% I don't have any insurance coverage 5% I don't know how/i didn't know how to get reimbursed 5% Insurance from another state 5% I was concerned about other people finding out 5% BASE: QUALIFIED AND DID NOT USE HEALTH INSURANCE (n=103) Q775 Which of the following best describes why you chose not to use your health insurance for treatment from a psychologist or other mental health professional?
10 Method of Finding Mental Health Professional Receiving a referral from a primary care physician (PCP), an insurer s list of providers, and a referral from a friend, family member, or coworker were the top three most common methods used to find a mental health professional. Method of Finding Mental Health Professional Received a referral from my PCP 23% My insurer's list of providers 18% Referral from friend, family member or coworker 18% Received a referral from another health care professional (not PCP) 10% Received service from my company's Employee Assistance Program (EAP) 5% Note: Only responses >5% are shown. BASE: RECEIVED TREATMENT FROM MENTAL HEALTH PROFESSIONAL (n=801) Q760 How did you find the mental health professional you saw?
11 Mental Health Coverage Most adults surveyed (55 percent) think they have adequate mental health coverage. However, nearly one-third (29 percent) do not know if they have adequate mental health coverage. Adequate Mental Health Coverage Don't know 29% Strongly agree 23% 55% Agree Strongly disagree 10% Somewhat agree 32% 16% Disagree Somewhat disagree 6% BASE: ALL QUALIFIED PATIENTS (n=2940) Q715 Do you feel you have adequate mental health coverage?
12 Mental Health Equality The majority of respondents report that they believe that mental health coverage on health plans should be equal to physical health coverage. This is especially true when it comes to cost of prescriptions and co-pay amounts. Mental Health Coverage on Health Plan Should Be Equal to Physical Health Coverage For Cost of prescriptions Co-pay In-network and out-of-network coverage Deductible Coinsurance Out-of-pocket maximums Lifetime or annual dollar limits Limits to hospital days or outpatient treatment sessions 85% 84% 80% 79% 78% 76% 67% 64% BASE: ALL QUALIFIED RESPONDENTS (n=2940) Q810 Do you think that mental health coverage on a health plan should be equal to physical coverage for any of the following?
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Massachusetts. Coverage Period: 07/01/2014 06/30/2015 Coverage for: Individual + Family Plan Type: HMO
Massachusetts Harvard Pilgrim Health Care, Inc. The Harvard Pilgrim Best Buy Tiered Copayment ChoiceNet HMO-WSHG Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period:
Blank Summary of Coverage
Blank Summary of Coverage This is not a policy. You can get the policy at www.insurancecompany.com/plan1500 or by calling 1-800-XXX-XXXX. A policy has more detail about how to use the plan and what you
Single: $1,000 Family: $2,000
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document by calling the Plan Administrator at 402-271-7277. (e: the Uniform
Important Questions Answers Why this Matters:
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.summitamerica-ins.com/wscc or by calling 1-800-955-1991.
Important Questions Answers Why this Matters: Referred providers $0 person/ $0 family; self-referred providers $2,500 person/ $5,000 family
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.thehealthplan.com or by calling 1-800-447-4000. Important
The chart starting on page 2 describes any limits on what the plan will pay for specific covered services, such as office visits.
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.healthchoiceessential.com/members/member_benefits.aspx
Silver Basic Plus: QCA Health Plan, Inc. Coverage Period: Beginning on or after 01/01/2014
Silver Basic Plus: QCA Health Plan, Inc. Coverage Period: Beginning on or after 01/01/2014 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual or Family Plan
$0 See the chart starting on page 2 for your costs for services this plan covers. Are there other. deductibles for specific No.
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at capbluecross.com or by calling 1-800-730-7219. Important
Important Questions Answers Why this Matters:
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.cfhp.com or by calling 1-800-434-2347. Important Questions
CA Short Term Counseling: Cigna Health and Life Insurance Co Coverage Period: 01/01/2013-12/31/2013
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at http://apps.cignabehavioral.com/web/acref/pmrscontroller?cat=initial
Important Questions Answers Why this Matters:
Anthem BlueCross BlueShield Blue Access PPO Option D58 / Rx Option 8 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 12/01/2013-11/30/2014 Coverage For: Individual/Family
Nationwide Life Insurance Company: Ochsner Clinical School Coverage Period: 1/1/15 12/31/15
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.chpstudent.com or by calling 1-800-633-7867. Important
Even though you pay these expenses, they don t count toward the out-ofpocket limit.
Commonwealth of Virginia: COVA Care Basic Coverage Period: 07/01/2014 06/30/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family Plan Type: PPO This
Student Health Insurance Plan Insurance Company Coverage Period: 07/01/2015-06/30/2016
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.