What If My ERISA Mental Health Benefits Were Denied in Delaware?
When it comes to ERISA and your mental health benefits in Delaware, health insurance companies and group health plans are required to offer a certain amount of coverage for mental health expenses. This may or may not include coverage for a certain number of therapy sessions, crisis management, and related mental health services. If you were denied the mental health services you were promised, then you might be able to fight for coverage by talking with a Delaware ERISA lawyer who can guide you through the steps necessary to defend your rights.
HOW ERISA PROTECTS YOUR MENTAL HEALTH BENEFITS
The mental health parity act in Delaware is designed to guarantee you a minimal amount of health insurance coverage for mental health-related expenses like psychiatric medications and therapy. ERISA is designed to uphold certain standards for employee benefits related to health issues that need to be upheld by employers. However, this does not mean every mental health expense will be covered.
All the mental health parity act does is require health insurance companies and group health plans to not place any higher amount of restrictions on mental health benefits than medical benefits. This means there should be a minimal amount of coverage requirements for aspects of mental health like co-pays, therapy session limits, and deductibles.
If your employer is obligated by ERISA to offer certain mental health benefits but fails to do so, then you might be able to take legal action to obtain the mental health coverage you need. Talk with an experienced ERISA lawyer to find out more about your legal options in this type of situation.
YOUR DELAWARE MENTAL HEALTH PARITY RIGHTS
Two types of health insurance plans exist and must offer a certain level of mental health parity act rights in Delaware. These two types include the fully insured plan and the self-insured plan. A fully insured plan means premiums are paid to the health insurance company which must offer minimal coverage for mental health costs. Whereas, a self-insured plan is covered by your employer who works with the insurance company.
The self-insured plans are what ERISA manages to make sure employees receive a minimal amount of coverage for mental health and medical insurance benefits. If you ever find yourself denied the mental health benefits you were promised by your employer or insurance company, then do not panic. Feel free to reach out to an experienced ERISA attorney who can help defend your ERISA rights in Delaware.
A lawyer can go over the situation with you to determine what your rights are and what legal steps can be taken to attain the benefits you deserve.
DISABILITY LAWYER IN DELAWARE
Defending your rights against a company or employer can be challenging when they make excuses to deny you coverage. Try talking with an ERISA lawyer in Delaware if you have been denied proper mental health coverage by your employer. You can call Edelstein Martin & Nelson at (302) 295-5050 for a free consultation today. Our legal team of ERISA attorneys can be found in Wilmington, Delaware.