Everything you need to know about fighting mental health insurance denials — your rights, the law, and how to win.
The Mental Health Parity and Addiction Equity Act (MHPAEA) is the most powerful tool for fighting mental health insurance denials. Here's what it says, how to use it, and real examples of parity violations — updated April 2026 with DOJ enforcement pause, state-level enforcement, and the Carelon ghost-network ruling.
UnitedHealthcare and Optum have been cutting ABA therapy hours and dropping autism providers from networks. Here's how to appeal a denied ABA claim, cite parity law, and force coverage for your child's medically necessary care.
Your insurer denied prior authorization for therapy, psychiatric care, or intensive treatment. Learn why mental health PA denials happen at 2-3x the medical rate, how to use parity law, and how to build a winning appeal.
BCBS denied coverage for therapy, psychiatric care, or residential treatment. Learn how to appeal Blue Cross Blue Shield mental health denials using parity law, clinical evidence, and BCBS's own medical policies.
Aetna denied your mental health or behavioral health claim. Learn how to appeal using clinical evidence, the Mental Health Parity Act, and Aetna's own clinical policies. Step-by-step guide.
UnitedHealthcare (UHC/Optum) denied your therapy or psychiatric claim. Learn how to file a winning appeal using clinical evidence, the Mental Health Parity Act, and UHC's own coverage policies.
Cigna or Evernorth denied your therapy, IOP, or psychiatric care. Step-by-step guide to appealing Cigna mental health denials using federal parity law, clinical evidence, and Cigna's own policies.
Your insurance denied coverage for an out-of-network therapist or psychiatrist. Learn when you have the right to out-of-network mental health care and how to appeal using network adequacy and parity law.
Your insurer denied coverage for Intensive Outpatient (IOP) or Partial Hospitalization (PHP) for mental health. Learn why these denials happen and how to build a winning appeal with clinical evidence and parity law.
Your health insurance denied coverage for therapy or put a limit on sessions. Learn why this happens, your rights under the Mental Health Parity Act, and how to appeal successfully.
The most common reason insurers deny mental health claims is 'not medically necessary.' Here's what that actually means, why it's often wrong, and exactly how to appeal it with clinical evidence.
Your mental health insurance claim was denied. Here's exactly how to fight back with a formal appeal, including deadlines, what to include, and how to cite the Mental Health Parity Act.
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