Agreeing and disagreeing with a specialist's comments on mental health administration.
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Biomedical subjects
Publications and source records attributed to F D Goldberg.
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Two private day hospitals and an insurance company offering group health coverage to federal employees undertook a pilot study to determine if providing insurance coverage for day hospitalization on the same basis as for inpatient treatment was a feasible means of controlling the cost of psychiatric care. The study included 31 patients who otherwise would have been hospitalized; most had histories of severe psychiatric disorders and extensive treatment. Using the measure that the day hospital patients would have been in inpatient treatment for the same number of days, the authors estimate that the use of day treatment saved the insurer more than $255,000. They recommend that day hospitalization be reimbursed on the same basis as inpatient care if a day hospital can meet stringent criteria ensuring that it provides active, appropriate treatment, and they present a list of such criteria.
Insurance companies and administrators of group insurance plans have accepted the premise that coverage for mental illness must be different from coverage for other health problems, and thus insurers continue to limit their liability through various exclusions and restrictions. For several years providers and consumers of services have worked for the enactment of state laws that mandate or regulate certain kinds of coverage for mental illness; as of January 1, 1977, a total of 22 states had such statutes. The author presents a state-by-state summary of the provisions. He also classifies many of the provisions into six categories and discusses the probable basis for their enactment.
Whether a patient receives treatment in a 24-hour inpatient setting or a less restrictive day hospital program often depends strongly on what kinds of care the patient's health insurance policy covers. In 1974 advocates of partial hospitalization programs in Maryland began working for a state law requiring third-party payers to provide day hospital benefits to all policyholders. After realizing that the bill as drafted would not pass the legislature, its advocates negotiated with insurance carriers, legislators, and others. The bill was rewritten so that day hospital coverage must be offered as an option in group policies only, and at an adjusted premium if necessary. It was enacted into law in 1976 and became effective in January 1977.
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