285 Enforcing Mental Health Parity 2015
A few states took a broader approach, excluding any treatment deemed
“medically unnecessary” from the benefit, rather than listing out the specific types of services. Many of these states extended these same exclusions to
their SUIP/SUOP benefits as well.
Another common exclusion was residential treatment centers (“RTC”).
Quite a few states are not willing to pay for individuals to go to rehab after
initially treating their MH and SU problems. States that specifically excluded RTCs include: AK, IL, IN, IA, MO, NC, and others. On the other hand,
at least one state specifically included residential treatment programs (VT).
Another recurring exclusion was court ordered therapy or treatment.
States excluding services mandated by the judicial system include: FL, IL,
OR, HI, and TN. Detoxification services also came up several times, but
how states excluded or limited this service varied from not covering detox
services at all to limiting the period one could use detox services to naming
at what point during treatment detox coverage ends (e.g., no coverage when
the treatment is no longer medically necessary).