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Special Report:
Improving Mental Health
Insurance Benefits Without
Increasing Costs
PDF version
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U.S. Department of Health and Human Services
Substance Abuse and Mental Health Services Administration
Center for Mental Health Services
Office of the Associate Director for Organization and Financing
Acknowledgments
Several people made important contributions to this report. Sandra Hittman, Mary Jane Konstantine, Clarissa Marquis, Karen Palmer, and Ian Shaffer shared their views on how to improve behavioral benefit design. Barbara Burns, Herbert Kleber, and Bonnie Strickland contributed to the discussion of effective treatment regimens. Debra Barnewold, Caroline Carlin, Patrick Mooney, James Stutz, and Thomas Williams gave their perspectives on behavioral benefits as human resource advisors. Edwin Hustead and Kathleen Hessler of the Hay Group produced the actuarial cost estimates and answered many questions about the Hay Group's actuarial model. William Goldman, Michael Jeffrey, and Mitchell Stein answered questions about behavioral benefits. Jeffrey Buck (Center for Mental Health Services) and Mady Chalk (Center for Substance Abuse Treatment) provided many helpful comments and suggestions throughout this project and during review of the draft report. Additional insights on the draft were provided by Ruchika Bajaj, Joan Dilonardo, Debra Draper, Veronica Goff, Al Guida, Chris Koyanagi, Clarke Ross, and Cathy VanDoren. The authors are grateful to Myles Maxfield for reviewing this report, to Daryl Hall for editing the report, and to Sharon Clark for producing it.
Disclaimer
Material for this report was prepared under contract by Mathematica Policy Research for the Substance Abuse and Mental Health Services Administration (SAMHSA), U.S. Department of Human Services (HHS), Jeffrey A. Buck, Government Project Officer. The content of this publication does not necessarily reflect the views or policies of SAMHSA or HHS.
Public Domain Notice
All material appearing in this report is in the public domain and may be reproduced or copied without permission from SAMHSA. Citation of the source is appreciated. However, this publication may not be reproduced or distributed for a fee without the specific, written authorization of the Office of Communications, SAMHSA, U.S. Department of Health and Human Services.
Electronic Access and Copies of Publication
This publication can be accessed electronically through the following Internet World Wide Web connection: http://mentalhealth.samhsa.gov. Additional copies may be obtained by calling SAMHSA's National Mental Health Information Center, 1-800-789-2647.
Originating Office
Office of the Associate Director for Organization and Financing, 1 Choke Cherry Road, Room 6-1061, Rockville, MD 20850.
tel: 240-276-1959, fax: 240-276-1395.
Suggested Citation
Sing, M., Hill, S., & Puffer, L. (2001). Improving mental health insurance benefits without increasing costs. DHHS Publication. No. SMA 01-3542. Rockville, MD: Center for Mental Health Services, Substance Abuse and Mental Health Services Administration.
Table of Contents
Return to Managed Care
I. Executive Summary
II. Introduction
III. Mental Disorders in the Workplace: Prevalence, Impact, and Treatment
A. Mental Disorders Are Prevalent
B. Mental Disorders Are Associated with Lower Employee Productivity
C. Effective Treatments for Mental Disorders are Available
IV. Typical Benefits Packages for MH Treatment
A. Benefit Design Components
B. Why MH Benefits Have Limits
C. The Hay Group's Survey and Actuarial Model
D. Typical MH Benefit Packages
V. Improving MH Insurance Benefit Design
VI. MH Benefits Packages That Incorporate the
Recommendations
VII. Appendix A: The Hay Group’s Mental Health Benefit Value Comparison Model
VIII. Appendix B: Clinical Consultants, Benefit Design Advisors, and
Human Resources Advisors
IX. Appendix C: Advisory Panel Members and Project Consultant
X. References
SMA-01-3542
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