Consumer Advisory: May is Mental Health Awareness Month
The Division of Insurance can help Coloradans with accessing mental health care.
DENVER - Every year, May is designated as Mental Health Awareness Month. In support of this effort, the Colorado Division of Insurance (DOI), part of the Department of Regulatory Agencies (DORA), is sharing our consumer resources to help people access mental health care using their insurance.
Getting mental health care is often a challenge - from overcoming stigma, to understanding what’s covered and what it will cost, to finding the right provider to meet your needs.
“Your mental health is just as important as your physical health,” said Colorado Insurance Commissioner Michael Conway. “And just like physical health care, there can be barriers. The Division has a number of resources to help Coloradans overcome these barriers to get the care they need.”
Check out these videos created to help people navigate insurance and their mental health benefits.
Other Mental Health Parity and Insurance Information
In addition to these videos, the DOI has developed resources for Coloradans who have questions about how their insurance works with mental health and substance use disorder services. Federal and Colorado law requires that health insurance companies cover services for mental and behavioral health conditions like they cover other medical conditions, like diabetes or heart disease - this is called “Mental Health Parity.” There are Mental Health Parity requirements on issues that include:
What you pay: Copays, coinsurance, deductibles, and out-of-pocket maximums (collectively referred to as cost-sharing)
How much treatment you can get: Limitations on the use of services, such as limits on the number of inpatient or outpatient visits that are covered
Utilization management tools: Such as pre-authorization or step therapy requirements
Which doctors you can see: Having adequate health care providers in-network to provide necessary services, coverage for out-of-network providers, and considerations for geographic location
Contact the Colorado Division of Insurance Consumer Services Team with any questions or problems you have with your health insurance as you or your family members access mental health care, including questions about: information from your health insurance company, lack of mental health providers, limiting of benefits or services, lack of communication and denied claims.
Colorado DOI Consumer Services Team: 303-894-7490 / DORA_Insurance@state.co.us / doi.colorado.gov (click on “file a complaint”)
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About the Division of Insurance:
The Colorado Division of Insurance (DOI), part of the Department of Regulatory Agencies (DORA), regulates the insurance industry and assists consumers and other stakeholders with insurance issues. Visit doi.colorado.gov for more information or call 303-894-7499 / toll free 800-930-3745.
About DORA:
DORA is dedicated to preserving the integrity of the marketplace and is committed to promoting a fair and competitive business environment in Colorado. Consumer protection is our mission. Visit dora.colorado.gov for more information or call 303-894-7855 / toll free 800-886-7675.
