Goldberg F D
Hosp Community Psychiatry. 1977 Oct;28(10):759-63. doi: 10.1176/ps.28.10.759.
Insurance companies and administrators of group insurance plans have accepted the premise that coverage for mental illness must be different from coverage for other health problems, and thus insurers continue to limit their liability through various exclusions and restrictions. For several years providers and consumers of services have worked for the enactment of state laws that mandate or regulate certain kinds of coverage for mental illness; as of January 1, 1977, a total of 22 states had such statutes. The author presents a state-by-state summary of the provisions. He also classifies many of the provisions into six categories and discusses the probable basis for their enactment.
保险公司和团体保险计划的管理者已接受这样一个前提，即对精神疾病的承保必须不同于对其他健康问题的承保，因此保险公司继续通过各种除外责任和限制来限制其责任。几年来，服务提供者和消费者一直致力于推动州法律的颁布，这些法律要求或规范对精神疾病的某些类型的承保；截至1977年1月1日，共有22个州制定了此类法规。作者逐一介绍了各州法规的条款内容。他还将许多条款分为六类，并讨论了这些条款颁布的可能依据。
