130
New Biden Administration Rules Aim to Hold Insurers Accountable for Mental Health Care Coverage
(www.propublica.org)
this post was submitted on 10 Sep 2024
130 points (100.0% liked)
Health - Resources and discussion for everything health-related
2303 readers
396 users here now
Health: physical and mental, individual and public.
Discussions, issues, resources, news, everything.
See the pinned post for a long list of other communities dedicated to health or specific diagnoses. The list is continuously updated.
Nothing here shall be taken as medical or any other kind of professional advice.
Commercial advertising is considered spam and not allowed. If you're not sure, contact mods to ask beforehand.
Linked videos without original description context by OP to initiate healthy, constructive discussions will be removed.
Regular rules of lemmy.world apply. Be civil.
founded 1 year ago
MODERATORS
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
It's crazy to me that insurers resist paying for mental healthcare so hard. Mental health care is dirt cheap compared to physical health care. A night at an inpatient hospital and pro-fees cost a private insurer a very low four-digit sum, depending on the contracted rate. I think the highest reimbursement rate I ever saw was about $1K per diem. A night in the ICU plus all the fees and meds can easily rocket to 5, maybe 6 figures.
Even more perplexing is that getting your mental health taken care of often positively impacts physical health and self-care, reducing insurance costs over time. I guess over time is the problem, because no one cares about saving money in the future, just right now.
You also forget that much of the current cost of health care is because of insurance, so segments where insurance refuses to operate like mental health care would be largely insulated from that inflation. It'll be prohibitively expensive even with insurance in short order once it's required to be covered.