Describe the private funding for mental health services:
Mental health disorders are very high in now a days because of
various factors such as streess,unemployment ,low socio econimic
status and domestic voilence etc .
Before the patient protection and affordable care act ,the
coverage of health care facilities for the mental disorders are
very much lacking .
individual risk rating imposes the greatest financial burden on
the people with mental health problems and with family history of
mental health problems .
due to the high cost and chronic nature of mental health
problems ,private insurers are likely excluding mental health
services.
most private insurers will refuse to cover the pre existing
mental health services .
some of the chronic mental health problems such as drug and
alcohol abuse ,bipolar dis orders ,psychosis are excluded in some
european countries.
due to unemployment of the people with mental health disorders
are likely not benefited by the private funding.
people with existing mental health problem seeking insurance
for the first time likely to find they refused insurance are very
high.
where the insurance is offered long term contract ,people who
develop mental health problems would not have their insurance.
In some low economic countries ,the private funding is very low
in mental health services.
Due to the severity of mental health problems there will be a
lack of coping with the family members .
Due to the mental health problem in family ,total family will
be affected by means of distrubance in relation ships among family
and some family may go in to depression due to illness and socio
economic status also altered.
Patient protection and affordable care
act:
affordable care act was the turning point in terms of access to
mental health coverage.
with out affordable care act ,individual carriers would
continue to sell plans that dont cover the mental health treatment
at all.
affordable care act was presented by the president obama in
march 21,2010
It was upheld by the supreme court on june 28,2012
The affordable care act signed in law march 23,2010
The patient protection and affordable care act is shortly known
as obama care.
because of these act all the people have the health insurance
.
If the health care cost is more than 8% of your house hold
income ,then you may be excempt.
it mainly emphasis on curative treatment instead of preventive
care.
It help the individual who are having mental health problems
and family history of mental illness.
it decreases the financial burdon in people who are having
mental health problems .
it help not only for the patient and also help ful in family
who are poor socio economic states.
it provides financial support to people with mental health
disorders .