The 2008 MHPAEA requires employer sponsored group health plans and issuers to provide mental health and substance use disorder benefits (MH/SUD) in parity with medical/surgical benefits (M/S) in terms of cost-sharing, quantitative treatment limitations, and non-quantitative treatment limitations (NQTLs).
Section 203 of CAA requires plans and issuers provide a comparative analysis demonstrating NQTL parity. This comparative analysis process must include definitions of each NQTL and the benefits to which it applies; factors and standards used to support application of NQTLs; and analysis and conclusions showing that application of any NQTL to MH/SUD benefits is no more stringent than the application to M/S benefits.
Market impact of this provision effects Individual Family Plan (IFP), Small Business Markets (SBM), Core, Premier, and Administrative Services Only (ASO) lines of business.
Please see the notices attached for additional information:
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