Los Angeles Anthem Mental Health Claims Denial Lawyer

Mental health is becoming less of a taboo subject in our country. As more people are willing to talk about mental health issues and the problems they face, more people are seeking the appropriate medical treatment for these issues. However, some patients may still struggle to have the coverage they need for this treatment. One common problem for mental health claims in Los Angeles is for Anthem to deny claims meaning patients who cannot afford to pay out of pocket for your mental health treatment may not be able to get the treatment they need.

This may cause you to stop treatment while also increasing the need for your mental health care. In fact, more than half of the 40 million Americans do not get the mental health treatment that they need, according to Mental Health America’s State of Mental Health 2018 report. If you suspect Anthem has unfairly denied your mental health insurance claim, a call to a Los Angeles Anthem mental health claims denial lawyer may be warranted. A dedicated attorney could pursue a positive outcome for you.

Mental Health Parity in Los Angeles

While insurance companies do have a lot of freedom as to what they will cover as an insurance provider, they are still held to state and federal rules. As per California and federal laws, including the California Health & Safety Code § 1374.72, it is illegal for health insurance companies to limit mental health care more than they limit physical health care.

The same limits must be applied to both physical and mental health when it comes to diagnosis, tests, treatments, preventions, and medications. Mental health parity is essentially giving mental health the same coverage as any other type of care.

California law also expressly states that the following mental health conditions must be treated under health insurance plans:

  • Schizophrenia
  • Schizoaffective disorder
  • Bipolar Disorder (manic-depression)
  • Major depressive disorders
  • Obsessive Compulsive Disorders (OCD)
  • Pervasive developmental disorders
  • Anorexia nervosa
  • Panic Disorders

Anthem Insurance Exclusions

The Health Parity Act is a promising start to better mental health care, however, it only applies to health care service plans and insurance plans that are regulated by the state. Plans that are self-funded or funded by the government are generally not covered under the California Act but may be under the Federal Act.

A Los Angeles Anthem mental health claims denial lawyer can help insured individuals determine whether these California coverage laws were broken. If they were, they can work with the insured to seek the necessary coverage.

Consulting a Los Angeles Anthem Mental Health Claims Denial Attorney

It can take a lot of courage to seek mental health care. Once you finally do, you expect that your insurance company will help you afford this necessary treatment. Having Anthem deny your mental health insurance claim may be more than unethical, it may also be illegal.

A Los Angeles Anthem mental health claims denial lawyer has the experience and knowledge that is necessary to take on a big insurance company such as Anthem. Continue taking care of your mental health by consulting a competent mental health claim denial attorney. You can learn more about by calling today.