Kurt Stammberger asked:
There exist many facets of the world of the mental santé, in particular when there s& #39; acts of l& #39; health insurance and to find a cover adéquate for a variété d& #39; affections and of disorders. We have rassemblé réponses à some of the questions fréquemment around these subjects for you below. & lt; br/& WP; this what mental majority of the plans of santé of the medical cover? The réponse, quite simply, is yes. Large the majorité of the insurers and the plans of santé relates at least to a limité number of care of santé mental. & lt; br/& WP; According to an employer récent survey publié in the review Health Affairs: â ¢ 91 percent of the small companies (10-499 employés) and 99 percent of the large companies offer mental santé and of drug-addiction in their cover of the majority of the médicaux plans. â ¢ the mental santé and drug-addiction has été included in the cover 87 percent of l& #39; indemnité, plans, 88 percent of the HMO, 97 percent of the points of service (POS) and of the plans of 93 percent of Preferred Provider Organizations (OPP). & lt; br/& WP; It is communément allowed aujourd& #39; today, in 2006, that majority of the employés which have employer fondée on l& #39; health insurance have accès à the mental cover of santé, and much of the salariés which n& #39; do not have a cover simply chose not adhérer à an employer who includes/understands the plan of the mental santé services. & lt; br/& WP; it the mental cover of santé coÔ tent expensive? Yes, that is généralement the case. It ya of limits à the mental cover of santé and the reason why majority of the employers d& #39; to impose limits is due to the coÔ T. The estimates vary façon much more the cover of the coÔ ts of the mental santé. Here some résultats of certain études: & lt; br/& WP; â ¢ In 1998, étude parrainée by the Mental National Health Advisory Council (NAMHC) Work group on the parité, a division of l& #39; National institute fédéral of the mental santé, estimates that the services of santé mental not to add less than 1 percent of the coÔ T d& #39; a police force d& #39; insurance santé for a HMO. & lt; br/& WP; â ¢ étude menée in 1998 by Mathematica estimé of 3,6 percent d& #39; increase in all the plans, with a range of 0,6 percent d& #39; increase for HMO à an increase of 5 percent for the plane service costs. & lt; br/& WP; â ¢ In 1997, an analysis by the firm d& #39; actuaries Milliman & amp; Robertson for the National Center for Policy Analysis, by examining the coÔ T typical d& #39; a mandate of santé mental (not of spA©cific lA©gislation), concluded that the services of santé mental parité lA©gislation tightens à to increase the coÔ ts by 5 percent à 10 percent. With regard to l& #39; mental insurance in général, how the companies d& #39; insurance to treat the mental disease? The companies d& #39; insurance have tendency à être somewhat méfiant of mental santé due à l& #39; increase in the fraudulent requests. When Medicare cherché fraud in the community centres of santé mental l& #39; année dernière, it preclusion from 80 d& #39; between them in the nine à tats to take part in the program. & lt; br/& WP; Health Care Financing Administration (HCFA), which manages Medicare, knew something n& #39; went when the coÔ T annual average for each senior to obtain the services of santé mental is passée of 1642 $ in 1993 à more than $ 10,000 in 1997. & lt; br/& WP; Medicare administrator Nancy-Ann DeParle supported à l& #39; époque that 90 percent of the patients n& #39; did not have serious a enough mental disease for bénéficier d& #39; a spécial treatment. & lt; br/& WP; That said étant, it is simple to include/understand why it is d& #39; inquiétude on behalf of the organizations d& #39; health insurance. & lt; br/& WP; Qu& #39; are états mental généralement généralement covered and not - covers by the plans of santé? Of manière générale, a plan of santé pay so that services included in the plan of the list of the covered services. In the case of services of santé mental, the care ambulatory and d& #39; hospitalization are generally covered by the plans of santé. & lt; br/& WP; However, there exists a continuum of services between the patients hospitalisés (clinical of santé mental) and the care ambulatory which caused to treat many mental disorders and are often more profitable than care à a mental private clinic of santé. & lt; br/& WP; These services include/understand nonhospital intermédiaire services résidentiels, services d& #39; partial and intensive hospitalization ambulatory services, such as the management of the cases and the psychosocial rA©adaptation. Psychosocial Réadaptation includes/understands a pharmacological treatment, the social compétences of formation and professional rA©adaptation. & lt; br/& WP; These services are covered by the moitié approximately santé offered by l& #39; employer plans. Regulations. Are they covered? The cover of the médicaments d& #39; ordinance is important également in l& #39; accès with the treatments for the disorders of santé mental. And, on a positive note, the regulation of médicaments are almost always covered by the plans from santé (US Department off Labor, 1996,1998), but this cover is sometimes limité by restrictions on the form. & lt; br/& WP; Vérifiez with your supplier of care of santé for the exact détails on what s& #39; applies à you and your family with regard to your situation particulière. & lt; br/& WP;
There exist many facets of the world of the mental santé, in particular when there s& #39; acts of l& #39; health insurance and to find a cover adéquate for a variété d& #39; affections and of disorders. We have rassemblé réponses à some of the questions fréquemment around these subjects for you below. & lt; br/& WP; this what mental majority of the plans of santé of the medical cover? The réponse, quite simply, is yes. Large the majorité of the insurers and the plans of santé relates at least to a limité number of care of santé mental. & lt; br/& WP; According to an employer récent survey publié in the review Health Affairs: â ¢ 91 percent of the small companies (10-499 employés) and 99 percent of the large companies offer mental santé and of drug-addiction in their cover of the majority of the médicaux plans. â ¢ the mental santé and drug-addiction has été included in the cover 87 percent of l& #39; indemnité, plans, 88 percent of the HMO, 97 percent of the points of service (POS) and of the plans of 93 percent of Preferred Provider Organizations (OPP). & lt; br/& WP; It is communément allowed aujourd& #39; today, in 2006, that majority of the employés which have employer fondée on l& #39; health insurance have accès à the mental cover of santé, and much of the salariés which n& #39; do not have a cover simply chose not adhérer à an employer who includes/understands the plan of the mental santé services. & lt; br/& WP; it the mental cover of santé coÔ tent expensive? Yes, that is généralement the case. It ya of limits à the mental cover of santé and the reason why majority of the employers d& #39; to impose limits is due to the coÔ T. The estimates vary façon much more the cover of the coÔ ts of the mental santé. Here some résultats of certain études: & lt; br/& WP; â ¢ In 1998, étude parrainée by the Mental National Health Advisory Council (NAMHC) Work group on the parité, a division of l& #39; National institute fédéral of the mental santé, estimates that the services of santé mental not to add less than 1 percent of the coÔ T d& #39; a police force d& #39; insurance santé for a HMO. & lt; br/& WP; â ¢ étude menée in 1998 by Mathematica estimé of 3,6 percent d& #39; increase in all the plans, with a range of 0,6 percent d& #39; increase for HMO à an increase of 5 percent for the plane service costs. & lt; br/& WP; â ¢ In 1997, an analysis by the firm d& #39; actuaries Milliman & amp; Robertson for the National Center for Policy Analysis, by examining the coÔ T typical d& #39; a mandate of santé mental (not of spA©cific lA©gislation), concluded that the services of santé mental parité lA©gislation tightens à to increase the coÔ ts by 5 percent à 10 percent. With regard to l& #39; mental insurance in général, how the companies d& #39; insurance to treat the mental disease? The companies d& #39; insurance have tendency à être somewhat méfiant of mental santé due à l& #39; increase in the fraudulent requests. When Medicare cherché fraud in the community centres of santé mental l& #39; année dernière, it preclusion from 80 d& #39; between them in the nine à tats to take part in the program. & lt; br/& WP; Health Care Financing Administration (HCFA), which manages Medicare, knew something n& #39; went when the coÔ T annual average for each senior to obtain the services of santé mental is passée of 1642 $ in 1993 à more than $ 10,000 in 1997. & lt; br/& WP; Medicare administrator Nancy-Ann DeParle supported à l& #39; époque that 90 percent of the patients n& #39; did not have serious a enough mental disease for bénéficier d& #39; a spécial treatment. & lt; br/& WP; That said étant, it is simple to include/understand why it is d& #39; inquiétude on behalf of the organizations d& #39; health insurance. & lt; br/& WP; Qu& #39; are états mental généralement généralement covered and not - covers by the plans of santé? Of manière générale, a plan of santé pay so that services included in the plan of the list of the covered services. In the case of services of santé mental, the care ambulatory and d& #39; hospitalization are generally covered by the plans of santé. & lt; br/& WP; However, there exists a continuum of services between the patients hospitalisés (clinical of santé mental) and the care ambulatory which caused to treat many mental disorders and are often more profitable than care à a mental private clinic of santé. & lt; br/& WP; These services include/understand nonhospital intermédiaire services résidentiels, services d& #39; partial and intensive hospitalization ambulatory services, such as the management of the cases and the psychosocial rA©adaptation. Psychosocial Réadaptation includes/understands a pharmacological treatment, the social compétences of formation and professional rA©adaptation. & lt; br/& WP; These services are covered by the moitié approximately santé offered by l& #39; employer plans. Regulations. Are they covered? The cover of the médicaments d& #39; ordinance is important également in l& #39; accès with the treatments for the disorders of santé mental. And, on a positive note, the regulation of médicaments are almost always covered by the plans from santé (US Department off Labor, 1996,1998), but this cover is sometimes limité by restrictions on the form. & lt; br/& WP; Vérifiez with your supplier of care of santé for the exact détails on what s& #39; applies à you and your family with regard to your situation particulière. & lt; br/& WP;
