Insurance Programs
Insurance Terms
Applying & Appeals
Mental Health Parity
Financial Benefits
100

This program provides insurance through your workplace.

What is Employer-Sponsored Insurance?

100

The monthly payment that keeps your insurance active.

What is a Premium

100

The first step before applying for benefits.

What is Determine Eligibility?

100

MHPAEA stands for this federal law.

What is the Mental Health Parity and Addiction Equity Act

100

This benefit provides income support for eligible individuals with disabilities and limited income.


What is SSI (Supplemental Security Income)?


200

This government program helps many people with low income or disabilities receive healthcare.

What is Medicaid?

200

The amount you pay before insurance begins covering certain services.

What is a Deductible?

200

Name two documents commonly needed when applying.

Any two:

  • Identification
  • Proof of income
  • Medical records
  • Housing information 
200

This law helps ensure mental health benefits are treated similarly to medical benefits

What is the Mental Health Parity and Addiction Equity Act

200

This disability program is based on a person's work history.



What is SSDI (Social Security Disability Insurance)?


300

This federal insurance program generally covers people age 65 and older or certain individuals with disabilities.

What is Medicare?

300

A fixed amount paid for a doctor's visit or prescription.

What is a Copay?

300

After submitting an application, you should promptly do this if requested.

Provide additional information or documentation.

300

True or False:
Mental health services should automatically have stricter financial requirements than medical services.

False

300

Name three common financial benefit programs.


Any three:

  • SSI
  • SSDI
  • SNAP/Food Assistance
  • Housing Assistance
  • Prescription Assistance
  • Transportation Assistance
400

These plans are purchased through the Health Insurance Marketplace and may offer financial assistance.

What are Marketplace (Affordable Care Act) Plans?

400

The percentage of costs you share after meeting your deductible.


What is Coinsurance?


400

Your benefit application was denied. What is the first thing you should do?

Read the denial notice carefully and identify the reason.

400

Name one reason why the Mental Health Parity and Addiction Equity Act is important.

Examples:

  • Promotes fair access
  • Reduces barriers to care
  • Supports recovery
400

ive two reasons financial benefits are important for recovery.

Examples:

  • Reduce financial stress
  • Improve medication access
  • Help maintain appointments
  • Support long-term stability
500

Name four commonly available health insurance programs.

  • Employer-sponsored insurance
  • Medicaid
  • Medicare
  • Marketplace plans
  • Veterans Health Benefits (any four)
500

The most you pay during a plan year for covered services.

What is the Out-of-Pocket Maximum?

500

Name four steps in the appeals process.

Any four:

  • Read the denial notice
  • Identify the reason for denial
  • Gather supporting documentation
  • Submit an appeal within the required timeframe
  • Ask for help from an advocate or case manager
  • Attend hearings or provide requested information
500

Give three protections or goals of the Mental Health Parity and Addiction Equity Act.

  • Comparable mental health coverage
  • Comparable substance use coverage
  • No more restrictive treatment limitations than comparable medical services
500

List five financial benefits or assistance programs discussed today.


Any five:

  • SSI
  • SSDI
  • SNAP/Food Assistance
  • Housing Assistance
  • Prescription Assistance
  • Transportation Assistance
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