What is a major requirement for health insurers regarding mental health coverage in Colorado?

Health insurers in Colorado are mandated to provide mental health coverage that is at least equal to physical health benefits. This requirement underscores the principle of mental health parity, which aims to ensure that individuals receive equitable treatment when it comes to mental health services compared to physical health services.

In practical terms, this means that if a health plan covers specific physical health procedures, it must also cover similar mental health treatments under the same terms, including copays, deductibles, and limits on care. This law helps to eliminate stigma surrounding mental health issues and ensures that individuals have access to necessary mental health care without the limitations that have historically been imposed.

This requirement is particularly important in promoting comprehensive health care, allowing individuals facing mental health challenges to receive the support they need without additional financial burdens compared to their physical health care.