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IRS, Treasury, DOL, EBSA, HHS, and CMS have jointly issued final mental health and substance use disorder regulations with a focus on improving mental health coverage in group health plans and insured plans so that nonquantitative treatment limitations (NQTLs) are ‘‘no more restrictive’’ than the predominant requirements and limitations that apply under the plan to substantially all medical/surgical benefits. The Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA) expressly requires group health plans and health insurance issuers that provide both medical/surgical benefits and mental health or substance use disorder benefits to perform and document comparative analyses of the design and application of NQTLs that apply to mental health or substance use disorder benefits. See how the final regulations integrate those requirements into the rules.
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