Pre-ACA State Mandated Benefits in the Small Group Health Insurance Market: Mandated Coverage in Mental Health
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2010
| Location | State Mandate of Mental Health Coverage? - Any Kind of Coverage Required? | State Mandate of Mental Health Coverage? - Mandate to Offer or to Cover? | State Mandate of Mental Health Coverage? - Requirement Limited to BBMI or SMI? | Detail on Minimum Mental Health Benefit Requirements - Minimum Mental Health Benefits Specified? | Detail on Minimum Mental Health Benefit Requirements - Outpatient Visits? | Detail on Minimum Mental Health Benefit Requirements - Inpatient Days? | Detail on Minimum Mental Health Benefit Requirements - Rx Required? | Detail on Minimum Mental Health Benefit Requirements - Other? | Detail on Mental Health Parity - Parity Required? | Detail on Mental Health Parity - Full/Limited? | Detail on Mental Health Parity - Limited to BBMI or SMI? |
|---|---|---|---|---|---|---|---|---|---|---|---|
| United States | 37 Yes; 14 No | 28 Cover; 9 Offer | 9 Yes; 28 No | 22 Yes 15 No | N/A | N/A | 0 Yes 22 No | N/A | 24 Yes 12 No | 14 Full 8 Limited | 16 Yes 8 No |
| Alabama | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Alaska | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Arizona | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Arkansas | Yes | Offer | No | No | N/A | N/A | N/A | N/A | Yes | Full | No |
| California | Yes | Cover | Yes | No | N/A | N/A | N/A | N/A | Yes | Full | Yes |
| Colorado | Yes | Cover | No | Yes | 20 visits or $1,000 | 45 days inpatient; 90 days partial hospitalization | No | No | Yes | Full | Yes |
| Connecticut | Yes | Cover | No | No | N/A | N/A | N/A | N/A | Yes | Full | No |
| Delaware | Yes | Cover | Yes | No | N/A | N/A | N/A | N/A | Yes | Full | Yes |
| District of Columbia | Yes | Cover | No | Yes | 75% coverage for 1st 40 visits, then 60% coverage | 60 days a year | No | No | No | N/A | N/A |
| Florida | Yes | Offer | No | Yes | $1,000 annual limit | 30 days | No | No | No | N/A | N/A |
| Georgia | Yes | Offer | No | Yes | Not defined | Not defined | No | No | No | N/A | N/A |
| Hawaii | Yes | Cover | No | Yes | 30 Visits | 30 Days | No | Nondiscrimation in cost sharing | Yes | Full | Yes |
| Idaho | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Illinois | Yes | Offer | No | Yes | Not defined | Not defined | No | 50% coverage; Annual benefit limit of $10,000 or 25% of lifetime medical limit. | No | N/A | N/A |
| Indiana | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Iowa | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Kansas | Yes | Cover | No | Yes | Not Defined | 30 days | No | $7,500 lifetime benefit limit | N/A | N/A | |
| Kentucky | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Louisiana | Yes | Cover | Yes | Yes | 52 days | 45 days | No | No | No | N/A | N/A |
| Maine | Yes | Cover | No | No | N/A | N/A | N/A | N/A | Yes | Limited;Full | Yes |
| Maryland | Yes | Cover | No | Yes | 80% coverage for 1st 5 visits, 65% coverage for visits 6-30, 50% coverage for visits 31+ | Parity for inpatient care; 60 days for partial hospitalization | No | Nondiscrimation in cost sharing | No | N/A | N/A |
| Massachusetts | Yes | Cover | No | Yes | 24 Visits | 60 days a year | No | No | Yes | Limited | Yes |
| Michigan | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Minnesota | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Mississippi | Yes | Offer | No | Yes | 52 Visits | 30 days for inpatient, 60 days for partial hospitalization | No | Outpatient care may be limited to 50% cost sharing or $50 per visit. | No | N/A | N/A |
| Missouri | Yes | Offer | Yes | Yes | Parity | 90 days | No | Nondiscrimation in cost sharing | No | N/A | N/A |
| Montana | Yes | Cover | No | Yes | $2,000 annual cap | 21 days | No | No | Yes | Full | Yes |
| Nebraska | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Nevada | Yes | Cover | Yes | Yes | 40 visits | 40 days | No | OOP limits must be no more than 150% of OOP limit set for medical benefits | No | N/A | N/A |
| New Hampshire | Yes | Cover | No | Yes | 15 hours | Parity | No | No | Yes | Full | Yes |
| New Jersey | Yes | Cover | Yes | No | N/A | N/A | N/A | N/A | Yes | Full | Yes |
| New Mexico | Yes | Cover | No | No | N/A | N/A | N/A | N/A | Yes | Full | No |
| New York | Yes | Cover | No | Yes | 20 visits | 30 days | No | No | Yes | Full | Yes |
| North Carolina | Yes | Cover | No | Yes | 30 visits | 30 days | No | No | Yes | Full | Yes |
| North Dakota | Yes | Cover | No | Yes | 30 hours | 45 days inpatient; 120 days partial hospitalization | No | No | No | N/A | N/A |
| Ohio | Yes | Cover | Yes | No | N/A | N/A | N/A | N/A | Yes | Limited | Yes |
| Oklahoma | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Oregon | Yes | Cover | No | No | N/A | N/A | N/A | N/A | Yes | Full | No |
| Pennsylvania | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Rhode Island | Yes | Cover | No | No | N/A | N/A | N/A | N/A | Yes | Limited | No |
| South Carolina | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| South Dakota | Yes | Cover | Yes | No | N/A | N/A | N/A | N/A | Yes | Full | Yes |
| Tennessee | Yes | Cover | No | No | N/A | N/A | N/A | N/A | Yes | Limited | No |
| Texas | Yes | Offer | Yes | No | N/A | N/A | N/A | N/A | Yes | Limited | Yes |
| Utah | Yes | Offer | No | Yes | Not defined | Not defined | Not defined | May offer 50/50 coverage or Catastrophic mental health coverage | No | N/A | N/A |
| Vermont | Yes | Cover | No | No | N/A | N/A | N/A | N/A | Yes | Parity | No |
| Virginia | Yes | Cover | No | Yes | 20 visits, after the 1st 5 visits, coverage may be limited to 50% | 20 Days | No | No | Yes | Parity | Yes |
| Washington | Yes | Cover | No | No | N/A | N/A | N/A | N/A | Yes | Limited | No |
| West Virginia | Yes | Offer | No | Yes | 50% coverage up to $500 per year | Parity for inpatient care at a medical hospital or 45 days in mental health department of hospital or in a mental hospital | No | No | Yes | Limited | Yes |
| Wisconsin | Yes | Cover | No | Yes | $2,000 per year | 30 days per year | No | Annual benefit limit of $7,000 | No | N/A | N/A |
| Wyoming | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |