Last month, the Connecticut Insurance Department released a consumer toolkit that it hopes will make it easier for Connecticut residents to get insurance coverage for behavioral health care services (e.g., mental health and substance abuse treatment). The department created the toolkit in consultation with the UConn Health Center and insurers.
The CT Mirror reports that the toolkit, a nine-page document, provides suggestions on what questions residents should ask healthcare providers and insurers to ensure they receive the most coverage possible for the services received. The toolkit walks a resident through five steps to choosing the right care: (1) making informed decisions, (2) conducting research, (3) knowing your insurance plan, (4) seeking “medically necessary” approval, and (5) determining any out-of-network expenses. It also includes a checklist of information needed for those who want to appeal denied claims.
