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 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.
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