Thus, coverage for annual and lifetime limits, copays, and deductibles should be consistent with those under the medical benefits. The intention is to equalize behavioral health and physical health benefits. Historically, this has not been the case. Generally excludes substance abuse treatment coverage and applies to select groups. Treatment of addiction is as successful as treatment of other chronic diseases such as diabetes, hypertension, and asthma.
Mental illness is the second leading cause of disability and premature mortality.
One in five Americans experience a mental disorder over the course of a year. 15 percent of the adult population uses some form of mental health service each year, yet nearly half of all Americans with severe mental illness do not seek treatment. Mental disorder diagnoses are as reliable as those for general medical disorders. 15 percent of adults with a mental disorder also experience a co-occurring substance use disorder . The report also cites evidence that individuals benefit most from treating both disorders together.