December 16, 2024
Across the nation, a large number of adults, children, and their loved ones are grappling with substance use disorders and mental health challenges. Many people seeking the behavioral health services they need to address these issues, however, can face months or even years of waiting for urgently needed care, during which time their conditions can worsen, leading to preventable and devastating life-altering outcomes, including overdose or suicide. These effects ripple through families and communities, with disparities in access to care further impacting marginalized communities, such as racial and ethnic groups, LGBTQ+ individuals, and people living with disabilities.
Access to behavioral health services is challenged by underfunding the service system, reimbursement rates that may fail to cover the full cost of care, and, at times, constraints imposed by rules and regulations. These systemic issues also contribute to widespread staffing shortages in behavioral health, further reducing the availability of essential services.
While there are multiple factors that contribute to delays in access to substance use disorder and mental health services, this paper examines barriers arising from insurance-related challenges. It provides examples of existing and proposed policies and initiatives from several states that demonstrate ways to improve access to care through insurance policy reforms. Finally, it provides options and opportunities to improve access to care through both public and private insurance at the state and federal levels.
