Discrimination and Health Insurance Laws

Discrimination in health insurance laws, particularly regarding mental health, occurs when individuals with mental health conditions receive unequal treatment compared to those with physical health issues. Laws like the Mental Health Parity and Addiction Equity Act require that insurance companies provide the same level of coverage for mental health services as they do for physical health services. This means insurers cannot impose stricter limits on mental health care, such as fewer visits or higher co-pays, ensuring that individuals can access necessary treatments without facing bias or unfair obstacles.