Behavioral Health Care Disclosure
Florida Statutes Sections 627.4215 and 641.31085 require health insurers and health maintenance organizations to make available on their websites federal and state requirements for coverage of behavioral health care services.
Up-to-date information regarding Florida state requirements for coverage of behavioral health services can be found at:
The Affordable Care Act (ACA) requires coverage for mental health and substance use disorder services for individual and small group health insurance plans. In addition, the Mental Health Parity and Addiction Equity Act (MHPAEA) requires that for small group, large group and individual plans that offer insurance coverage for mental health and substance use disorders, the coverage must be no more restrictive than coverage for other medical conditions. Under MHPAEA, mental health and substance use disorder benefits, if offered, must be covered in parity with medical benefits. Parity is determined by examining plans for both quantitative limits, such as cost sharing and visit limits, and nonquantitative treatment limits, such as medical necessity determinations and utilization management processes.
More information regarding MHPAEA can be found at:
If you believe UnitedHealthcare standards or practices relating to the provision of mental health or substance use disorder benefits are not compliant with the applicable mental health parity laws, you or an authorized representative may submit a complaint to the Division of Consumer Services at:
- Online: https://apps.fldfs.com/ESERVICE/Default.aspx
- Email: Consumer.Services@myfloridacfo.com
- Telephone: In-state: toll-free 1-877-MY-FL-CFO (1-877-693-5236). Out-of-State: 1-850-413-3089.
For more information, please refer to your Certificate of Coverage and Schedule of Benefits or call the toll-free member phone number on your health plan ID card.