States are ignoring ACA requirements to cover addiction treatment
This comprehensive review of the addiction benefits offered in the 2017 Essential Health Benefits (EHB) benchmark plans found that none of the plans are adequate and over two-thirds violate the Affordable Care Act (ACA).
"Our findings reveal that people with addiction may not be receiving effective treatment because insurance plans aren't covering the full range of evidence-based care," said Lindsey Vuolo, JD, MPH, Associate Director of Health Law and Policy at The National Center on Addiction and Substance Abuse, and lead author of the report. "For example, our review did not find a single state that covers all of the approved medications used to treat opioid addiction."
The EHB benchmark plans determine the specific addiction benefits available to the 12.7 million people who are insured under ACA plans. The ACA requires plans to cover substance use disorder services, which are designated as an EHB. The ACA also requires that these services be provided at parity, meaning they are equal or comparable to medical and surgical benefits.
But the ACA does not identify which benefits should be covered; instead, each state chooses an EHB benchmark plan to determine which addiction benefits must be covered by the ACA plans sold in that state.
Historically, insurance coverage for addiction has been insufficient. When people cannot access effective treatment, it can lead to disability, premature death, and a range of other costly health and social consequences. Conversely, effective treatment has been shown to not only save lives, but also reduce health care costs and decrease drug-related crimes.
The report calls on states and insurers to revise their plans to comply with the law and cover the full range of effective addiction treatments. Currently, there is no penalty for states or insurance plans that are not complying with the law, which means that unless there are significant changes to the plans, those living with addiction will continue to be denied access to effective treatments.
Key findings and highlights from the report include:
- Over two-thirds of the plans contain language that violates ACA requirements for addiction benefits
- 18 percent of the plans do not comply with parity requirements
- None of the plans provide comprehensive coverage for addiction by covering the full array of critical benefits without harmful treatment limitations
- 88 percent of the plan documents lack sufficient detail to fully evaluate parity compliance and/or the adequacy of addiction benefits. ■