What describes "mental health parity"?

Mental health parity refers to the principle that insurance plans must provide equal coverage for mental health services and substance use disorder treatment compared to coverage for other medical or health conditions. This means that if a health insurance policy provides specific benefits for physical health conditions, it should offer similar benefits for mental health issues, ensuring that individuals have access to appropriate care without facing greater restrictions, higher costs, or limitations for mental health treatments.

This principle is crucial for promoting comprehensive healthcare, as it recognizes the importance of mental health on par with physical health. It aims to reduce stigma associated with mental health issues and encourages individuals to seek necessary treatment without the fear of discriminatory policies from their insurers.

Other options do not correctly capture the essence of mental health parity. Some discuss limited aspects of mental health services or emphasize distinctions between mental and physical health that do not align with the concept of parity, which is centered on equal treatment and comprehensive coverage.