Under the mental health parity requirements of Federal law (Mental Health Parity and Addiction Act of 2008) and later of ObamaCare, major medical plans must now cover mental health issues the same as they would treat any other medical condition. So, any financial requirements such as copays, deductibles or any treatment limitations (such as number of visits) can be no more restrictive for mental health or addiction than for a physical ailment.
An important distinction that the reader should be aware of is that the 2008 law applied to employers with 50 or more employees. Under the requirements of the Affordable Care Act (ObamaCare) this was extended to individual and small group policies sold on or after January 1, 2014. It is possible that there are existing "grandfathered" policies still in effect that are not subject to these requirements though such policies are becoming fewer and fewer.
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An important distinction that the reader should be aware of is that the 2008 law applied to employers with 50 or more employees. Under the requirements of the Affordable Care Act (ObamaCare) this was extended to individual and small group policies sold on or after January 1, 2014. It is possible that there are existing "grandfathered" policies still in effect that are not subject to these requirements though such policies are becoming fewer and fewer.