Including substance abuse coverage allows the entire disorder to be treated rather than just one portion. Recognizing that costs can be contained through managed care, the legislation does not prohibit the involvement of a managed care organization in providing mental health and substance abuse treatment. However, the involvement may not diminish or negate the legislation's requirements, nor may the organization use administrative or clinical protocols that reduce access to treatment. Mental health disorders cost the economy hundreds of thousands of dollars each year. Whether for treatment, social services, disability payments or lost productivity, the costs are staggering.
Many mental disorders are treatable.
With early and appropriate treatment, many individuals are able to remain at work and continue to be productive, contributing members of society. To date, however, this treatment has not been readily accessible or financially viable. Even those with coverage normally have such low coverage that they soon run out of benefits and are forced to either discontinue treatment or leave their place of employment to qualify for public assistance. House Bill 149 requires coverage for mental health disorders equal to coverage for medical health disorders. It recognizes that individuals with any type of medical disorder should be allowed access to coverage.