Simmons P
Behav Healthc Tomorrow. 1997 Jun;6(3):67-9.
Recently, mental health parity provisions were passed and incorporated retroactively into the Health Insurance Portability and Accountability Act (PL 104-191). Although limited, these provisions were instrumental in focusing national attention and debate on people's need for and right to behavioral health services. A handful of states have also passed parity provisions, but their full impact on the insurance market cannot be assessed. This is because a majority of plans are preempted from compliance with many state insurance mandates by the Employee Retirement Income Security Act of 1974 (ERISA). ERISA is the primary obstacle to state behavioral health mandates, and it threatens the inclusion of behavioral health providers and settings in managed care plans integrating public and private healthcare systems. This article provides basic information on ERISA, its preemption clauses, and its impact on behavioral healthcare services.
最近，心理健康平权条款获得通过，并追溯纳入《健康保险流通与责任法案》（第104 - 191号公法）。尽管这些条款有限，但它们有助于使全国关注并辩论人们对行为健康服务的需求及权利。一些州也通过了平权条款，但其对保险市场的全面影响尚无法评估。这是因为根据1974年《雇员退休收入保障法》（ERISA），多数保险计划可免于遵守许多州保险规定。ERISA是州行为健康规定的主要障碍，它威胁到在整合公共和私人医疗系统的管理式医疗计划中纳入行为健康服务提供者和机构。本文提供了关于ERISA、其优先适用条款及其对行为医疗服务影响的基本信息。
