Warning Signs- Plan or Policy Non-Quantitative Treatment Limitations (NQTLs) that Require Additional Analysis to Determine Mental Health Parity Compliance

This document is about guidance from the U.S. Department of Labor's Employee Benefits Security Administration on identifying and analyzing non-quantitative treatment limitations (NQTLs) in health plans to determine compliance with the Mental Health Parity and Addiction Equity Act (MHPAEA). It provides examples of NQTL provisions that may trigger further review, such as blanket preauthorization requirements, fail-first protocols, and requirements for written treatment plans. The document aims to help plans and insurers ensure that any NQTLs applied to mental health/substance use disorder (MH/SUD) benefits are no more restrictive than those applied to medical/surgical benefits.