State RegulationsAZ specificDifficulty 1/5
Under the federal Mental Health Parity and Addiction Equity Act (45 CFR Parts 146 and 147), a group health plan that offers mental health benefits must:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The Mental Health Parity and Addiction Equity Act (45 CFR Parts 146 and 147) requires that when a plan offers mental health or substance use disorder benefits, the financial requirements and treatment limitations on those benefits be no more restrictive than the predominant requirements applied to medical and surgical benefits. Parity — not exclusion, and not enhanced payment — is the standard.
Why the other options are wrong
- B) The Act promotes parity for mental health and substance use disorder benefits, not their exclusion.
- C) The Act requires equivalence with medical benefits, not enhanced payment above them.
- D) Caps are constrained by comparison with the plan's medical benefits; an arbitrary standalone cap defeats parity.
Memory hook
Mental health benefits: same leash as medical — that is parity.