Insurance companies blame employers because they tend to choose the least expensive plans, which are the most limited. About 85 percent of Americans with health insurance are on a managed-care plan. These companies often restrict payment for all mental-health treatment, effectively impeding Americans from seeking psychiatric care. The Mental Health Parity Act of 1996 ended the common practice of placing a lower dollar cap on psychological benefits. However, insurers have merely changed tactics by placing limits on the number of days in place of financial restrictions.
Some plans exclude psychological illnesses in general, or eating disorders in particular.
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