Mental Health Parity | Department of Insurance and Financial Institutions

GETTING HELP WITH DENIED MENTAL HEALTH OR SUBSTANCE ABUSE DISORDER HEALTH CLAIMS If you believe your health care insurer improperly denied mental health or substance use disorder benefits, you can file a complaint. Where you file the complaint depends on whether you are covered by a health insurance plan issued by a health insurance company, or a by self-insured plan provided by your employer or an association. Starting in January 2022, all insurance cards issued for coverage under a health insurance policy must clearly display "AZDOI" on them. Until then, use the following steps to determine if you are covered under a health insurance policy or under a self-insured plan: Self-funded plan ID cards often contain one of the following phrases near the insurer's name: "Administered by," "As administrator for," "Administrative services only," or "ASO." If you have coverage under a self-insured plan, you can request assistance from the US Department of Labor Employment Benefit Security Administration ("EBSA"). Specifically, you can: Visit the EBSA "Mental Health and Addition Insurance Help" webpage Speak with a trained benefits advisor with the EBSA by calling 866-444-3272 Submit a request for assistance from the EBSA "Request Assistance from a Benefits Advisor" online form. Health insurance plan ID cards may contain the phrase "Underwritten by," or "Insured by" near the insurance company's name. If you have coverage under an insurance plan issued by an insurance company, you can file a complaint with the Arizona Department of Insurance and Financial Institutions.
Categories of Health Insurance Benefits Health insurance policies provide six classifications of benefits: Inpatient, in-network care Inpatient, out-of-network care Outpatient, in-network care Outpatient, out-of-network care Emergency care Prescription drugs For a given classification, the MHPAEA prevents insurers from being more restrictive with the number of allowable visits or with maximum allowable costs for mental health treatment than for coverage of medical/surgical care for the same classification of care.

Additional Help: Insurance Consumer Services Section

Contact Hours	Mondays - Fridays, 9 AM to 4 PM
Email	Consume[email protected]
Phone	Phoenix Metro Area: (602) 364-2499 In-state Toll-free: (800) 325-2548
Complaints	https://difi.az.gov/complaint
Mailing Address	DIFI Insurance Consumer Services 100 N. 15th Avenue, Suite 261 Phoenix, AZ 85007-2630