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This Web site is a component of the SAMHSA Health Information Network. |
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Section IV: Insurance for Mental Health Care
Table 4. Change in behavioral health cost-sharing
| (Median values for plans with cost-sharing greater
than zero) |
Median Copayment |
Median Coinsurance Rate |
| 1999 |
2000 |
2001 |
1999 |
2000 |
2001 |
| Inpatient Mental Health Coverage |
|
|
|
|
|
|
| All plans (n = 164)* |
25 |
25 |
0 |
20% |
20% |
10% |
| FFS plans (n = 15)* |
0 |
0 |
0 |
30% |
30% |
10% |
| Community-rated plans (n = 137) |
25 |
25 |
0 |
20% |
20% |
15% |
| Experience-rated plans (n = 12) |
50 |
50 |
0 |
20% |
20% |
0% |
| Outpatient Mental Health Coverage |
|
|
|
|
|
|
| All plans (n = 164)* |
20 |
20 |
10 |
50% |
50% |
15% |
| FFS plans (n = 15)* |
17.5 |
15 |
15 |
50% |
40% |
10% |
| Community-rated plans (n = 137) |
20 |
20 |
10 |
50% |
50% |
0% |
| Experience-rated plans (n = 12) |
15 |
15 |
10 |
50% |
50% |
20% |
| Inpatient Substance Abuse Coverage |
|
|
|
|
|
|
| All plans (n = 164)* |
25 |
25 |
0 |
20% |
20% |
10% |
| FFS plans (n = 15)* |
0 |
0 |
0 |
30% |
30% |
10% |
| Community-rated plans (n = 137) |
25 |
25 |
0 |
20% |
20% |
15% |
| Experience-rated plans (n = 12) |
50 |
50 |
0 |
20% |
20% |
0% |
| Outpatient Substance Abuse Coverage |
|
|
|
|
|
|
| All plans (n = 164)* |
20 |
20 |
10 |
50% |
40% |
15% |
| FFS plans (n = 15)* |
17.5 |
15 |
15 |
35% |
30% |
10% |
| Community-rated plans (n = 137) |
20 |
20 |
10 |
50% |
35% |
0% |
| Experience-rated plans (n = 12) |
17.5 |
17.5 |
10 |
50% |
50% |
20% |
| * Thirteen FFS national plans participate in
FEHB; however, the Panama Canal Area Benefit Plan is excluded from this
analysis. Three of the remaining twelve plans offer separate high and
standard benefit options to enrollees (Blue Cross Blue Shield Plan, Postmasters
Benefit Plan, and Mailhandlers Benefit Plan). For the purpose of this
analysis, high and standard benefit options are counted as separate plan
benefit designs. Therefore, results in this table are calculated with
n = 15 for FFS plans and n = 164 for all plans. |
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