Are mental health coverage benefits required in individual health insurance policies in Colorado?

In Colorado, mental health coverage benefits are required to be included in individual health insurance policies. This aligns with both state and federal laws that mandate parity between mental health and physical health care coverage. The Mental Health Parity and Addiction Equity Act requires that mental health services cannot have stricter limitations or higher costs compared to other medical services.

The requirement ensures that individuals seeking treatment for mental health conditions receive comparable benefits to those receiving treatment for physical health issues, thus promoting mental wellness and access to necessary care. This inclusion reflects the understanding that mental health is integral to overall health and well-being.