Mike Kueber's Blog

November 8, 2013

Mental-health insurance and ObamaCare

Filed under: Insurance,Issues,Medical,Politics — Mike Kueber @ 8:11 pm
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Yesterday, an article in the New York Times proclaimed that recent ObamaCare regulations have completed “a generation-long effort to require insurers to cover care for mental health and addiction just like physical illnesses.”  Although most Americans were probably unaware of this effort, I was aware of it because I remember learning many years ago at a previous employer about the generous mental-health coverage that was required in all employer-provided health insurance (ERISA).

At that time, the federal government had already interjected itself into micro-managing the contents of ERISA-based health insurance.  ObamaCare extends that micro-management into individually-purchased health insurance.

Back then, when I heard about this mandatory coverage (I believe Senator Al Gore was a big proponent), I was opposed for both personal and economic reasons.  The personal reason was that I knew someone who had been going to a therapist almost her entire life, and this treatment didn’t seem necessary.  Instead, it seemed she enjoyed having someone she could talk to.  The economic reason was that people who wouldn’t consider obtaining mental-health treatment shouldn’t be required to contribute to the insurance pool to pay for such treatment.  Ditto – maternity coverage.

America is not ready for socialism (from each according to their ability, to each according to their needs).