Consumer Guide to Disclosure Rights

This document is about providing a consumer guide to understanding the disclosure rights and accessing information related to mental health and substance use disorder benefits under the Mental Health Parity and Addiction Equity Act (MHPAEA) and other federal laws. It covers common scenarios that may affect an individual's mental health and substance use disorder benefits, and the specific information they have a right to request from their health plan or insurer, such as benefits overviews, medical necessity criteria, provider network standards, claims denials, and appeals processes.