I want to trust insurance companies. I want to believe that they understand the connection between mental and physical health and that health care costs would drop if we treated both equally and fairly. I want to believe that insurance companies put people before profits and that they play by the rules. But they don’t because there are no rules.
It’s been four years since President George Bush signed the Paul Wellstone & Pete Domenici Mental Health Parity and Addiction Equity Act and still we have no rules. Why is it taking so long for regulators to write rules requiring insurance companies to provide equal coverage for mental and physical health? How hard can it be to draft regulations that ban separate co-pays or higher deductibles for mental health treatment and medications? Come on. Four years? Herman Melville churned out Moby Dick in less than four years and I almost read it in four years.
Getting the Parity Act passed was a monumental accomplishment that capped a 12 year battle between parity advocates, such as former Congressman Patrick Kennedy, D-Rhode Island, and former Senator Jim Ramstad, R-Minn and the insurance industry. It was the greatest medical civil rights victory of our generation. The law would finally ensure that people with mental illnesses would get the care they need and that mental illnesses would finally be accepted as legitimate medical conditions. That has not happened.