Parity Violation Examples
If you or someone close to you has been denied coverage for behavioral health services, your rights may have been violated.
I have a separate deductible for behavioral health services that is not part of my overall deductible.
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It may be a parity violation if your insurance plan makes you pay separate deductibles for behavioral health services and other medical services.
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My co-pay for behavioral health services is higher than it is for other health services.
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It may be a parity violation if your insurance plan requires a more expensive copayment or coinsurance for behavioral health services than what you are required to pay for other medical care.
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I have limits on how many days I can stay in a treatment facility.
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If your insurance plan does not have the same limits on how many days you can stay in any other kind of inpatient medical facility, it may be a parity violation.
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I have limits on how many times I can see a behavioral health provider.
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If your insurance plan does not have the same limits on how many times you can see a health provider for any other type of treatment, it may be a parity violation.
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I'm being charged more for prescription medication for behavioral health treatment than I am for prescription medication for other treatments.
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It may be a parity violation if your insurance plan charges you more for prescription medications simply because they are used for behavioral health treatment.
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My insurance plan often makes me get permission to before I can start behavioral health treatment.
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If your insurance plan requires your health providers to get prior authorization to begin behavioral health services more often than it does for other health services, it may be a parity violation.
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My insurance plan often makes me get their permission to continue behavioral health treatment.
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If your insurance plan orders medical necessity reviews for behavioral health services more often than for other health services, it may be a parity violation.
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My insurance plan refuses to pay for residential behavioral health treatment that my doctor says I need.
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If your insurance plan will not cover residential treatment or partial hospitalization for behavioral health services, but it does for other medical services, it may be a parity violation.
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My doctor says I need a certain behavioral health treatment, but the insurer says I need to try a less expensive treatment first.
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If your insurance plan requires you to try a less expensive treatment before it will cover the treatment recommended by your doctor, it may be a parity violation.
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My insurance plan won't pay for behavioral health treatment outside of my state or region.
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