Insurance department report examines how providers cover treatment for substance abuse - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Newswires
Topics
    • Advisor News
    • Annuity Index
    • Annuity News
    • Companies
    • Earnings
    • Fiduciary
    • From the Field: Expert Insights
    • Health/Employee Benefits
    • Insurance & Financial Fraud
    • INN Magazine
    • Insiders Only
    • Life Insurance News
    • Newswires
    • Property and Casualty
    • Regulation News
    • Sponsored Articles
    • Washington Wire
    • Videos
    • ———
    • About
    • Advertise
    • Contact
    • Editorial Staff
    • Newsletters
  • Exclusives
  • NewsWires
  • Magazine
  • Newsletters
Sign in or register to be an INNsider.
  • AdvisorNews
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Exclusives
  • INN Magazine
  • Insurtech
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Video
  • Washington Wire
  • Life Insurance
  • Annuities
  • Advisor
  • Health/Benefits
  • Property & Casualty
  • Insurtech
  • About
  • Advertise
  • Contact
  • Editorial Staff

Get Social

  • Facebook
  • X
  • LinkedIn
Newswires
Newswires RSS Get our newsletter
Order Prints
March 6, 2017 Newswires
Share
Share
Post
Email

Insurance department report examines how providers cover treatment for substance abuse

New Hampshire Union Leader

March 06--New Hampshire providers say the insurance department's examination of how the state's top three insurance carriers cover treatment for substance misuse is "a good start."

But they say the long-awaited report, released last week, doesn't fully answer the real question: Are insurers abiding by state and federal "parity" laws that require them to cover mental health services the same way they cover medical and surgical treatments?

Alex Feldvebel, deputy insurance commissioner, said the report is part of a broader effort by the department "to remove obstacles to behavioral health services for New Hampshire, especially at this time when so many citizens of this state are struggling to deal with opiate addiction."

The department's market conduct examinations of Anthem, Harvard Pilgrim and Cigna "are not the end of the road," Feldvebel said; the agency is already planning follow-up reviews.

Courtney Gray is executive director of the New Hampshire Providers Association, which represents providers of alcohol and substance use disorder treatment.

She said one shortcoming in the insurance department's report -- which the department acknowledges -- is that it only looked at claims data from the first three quarters of 2015.

On Jan. 1, 2016, individuals enrolled in Medicaid expansion moved into plans that cover behavioral health and substance use disorder services. As a result, Gray said, she expects claims, denials and appeals would all be higher in 2016; she hopes the insurance department will go back to the carriers to examine their coverage last year.

"The report in and of itself is a great step, but ... it's just a step," Gray said. "And we need to continue to make sure these reviews continue to happen."

Gray also said the state should include other insurers, especially plans offered through the New Hampshire Healthy Families program.

Jennifer Patterson, health policy legal counsel for the NHID, said the goal was to get a baseline of how the three largest carriers were handling substance use disorder claims. The exam came in response to concerns raised by providers about their clients' access to such services.

The department looked at such issues as prior authorization, provider networks, claims and denial volume, the availability of medication-assisted treatment and compliance with parity laws.

Patterson noted the latter issue is a new area for regulators, "and all across the country, people are still trying to work through what it means to enforce the parity laws."

As part of its review of claims, state examiners brought in medical experts to review cases in which insurers denied prior authorization for substance use disorder treatment. Of 62 denials reviewed, experts agreed with 80 percent.

Cigna fared best in that aspect of the review; medical experts agreed in all eight cases that were denied. For Anthem, the experts disagreed with six of 34 denials.

Harvard Pilgrim had 22 denials during the study period; experts disagreed with three of those, and found there was insufficient information in three more.

To address parity, insurance examiners looked at carriers' policies to see if they were covering behavioral health the same way they cover medical/surgical procedures. And they found for the most part, the carriers had proper procedures in place.

One exception was at Harvard Pilgrim, which outsources its preauthorizations for behavioral health services to a third party, United Behavioral Health. The insurance department found that may be a parity violation, since there's no comparable preauthorization requirement on the medical/surgical side.

The department also asked for corrective action from Anthem, after the exam found the insurer did not include depression screening in its preventative health guidelines on its website. A company spokesman said it has addressed that.

Patterson said the department also plans to look further into reimbursement rates on the behavioral health side.

The good news out of the market conduct exam, according to Patterson, was that "all three carriers were compliant in most areas, in particular where the legal standards were clear."

And she said, "All of the carriers were committed to making whatever adjustments they need to make to ensure that consumers have access to services."

The biggest area of concern was the lack of data to compare overall rates at which claims were approved or denied, Patterson said. She said it's something the insurance department plans to pursue in the future.

"This is an important area for us because we need to be able to understand and compare the practices across carriers, and we can't do that if we don't have data that enables us to make those comparisons," Patterson said.

One concern became clear through the study: an overall shortage in New Hampshire of substance use disorder/behavioral health providers. Patterson said since the study took place, the carriers have taken steps to expand their networks of providers.

Insurers responded favorably to the report.

Colin Manning, director of public relations for Anthem, said, "We're pleased the department's examination reaffirms our commitment to ensuring all of our members have access to the appropriate level of care."

"The ongoing opioid epidemic has cast a bright light on the importance of treatment access, which is why we have worked to build capacity by expanding our network of substance use disorder providers," he said. "Given the size and scope of this epidemic, we are continuing to work with providers and public officials to address this serious health problem."

The report on Anthem can be viewed below:

In a statement, Harvard Pilgrim said the company "is committed to ensuring that all of our members have timely access to high quality behavioral health services, including services for substance use disorders.

"We work diligently to ensure our compliance with all state and federal laws in this area, including the parity laws. As was noted in the report, we have already worked with the Department to address the concerns that were raised and will continue to do so."

The report on Harvard Pilgrim can be viewed below:

And Mark Butler, Cigna's market president for New England, said in an email, "We appreciate the Department's findings, which are a strong indication that Cigna properly administers claims for substance use disorder treatment and is serving the needs of our customers in New Hampshire. ... At the same time, we recognize that the Department found some areas for improvement, and we fully intend to address those."

Butler said Cigna is committed to reducing opioid use among its customers by 25 percent by 2019 by identifying better ways to treat chronic pain and encouraging providers to follow CDC guidelines about prescribing opioids. "People who suffer from substance use disorders are living with a chronic disease," he said. "They need treatment and deserve compassion, not stigma and condemnation."

The report on Cigna can be viewed below:

Going forward, Patterson said the insurance department plans to look at additional carriers and time periods, particularly what happened in 2016 after Medicaid enrollees moved into private plans.

Patterson said the department also is committed to continued education and outreach so that consumers understand what they're entitled to and how to file appeals.

And she's encouraged that a new advisory committee, which includes representatives of insurers, providers, advocacy groups and the Legislature, will be tackling some of the issues raised in the report on an ongoing basis.

___

(c)2017 The New Hampshire Union Leader (Manchester, N.H.)

Visit The New Hampshire Union Leader (Manchester, N.H.) at www.unionleader.com

Distributed by Tribune Content Agency, LLC.

Older

Nationwide Self-Directed Retirement Plan Administrator, Midland IRA, Hires New Accounting Associate in Fort Myers

Newer

Protect Wealth Assets with ​Custom Structured Settlements, LLC’s New Brand

Advisor News

  • Finseca and IAQFP announce merger
  • More than half of recent retirees regret how they saved
  • Tech group seeks additional context addressing AI risks in CSF 2.0 draft profile connecting frameworks
  • How to discuss higher deductibles without losing client trust
  • Take advantage of the exploding $800B IRA rollover market
More Advisor News

Annuity News

  • Great-West Life & Annuity Insurance Company Trademark Application for “SMART WEIGHTING” Filed: Great-West Life & Annuity Insurance Company
  • Somerset Re Appoints New Chief Financial Officer and Chief Legal Officer as Firm Builds on Record-Setting Year
  • Indexing the industry for IULs and annuities
  • United Heritage Life Insurance Company goes live on Equisoft’s cloud-based policy administration system
  • Court fines Cutter Financial $100,000, requires client notice of guilty verdict
More Annuity News

Health/Employee Benefits News

  • Studies from University of Washington Medical Center Provide New Data on Managed Care (The Impact of Payment Reform on Medicaid Access and Quality: A National Survey of Physicians): Managed Care
  • Franklin County Seeks Administrator for Human Services Division
  • Cigna hails pharmacy deal with the FTC, battles elevated cost trends
  • Health care inflation continues to eat away at retirement budgets
  • Pharmacy benefit manager (PBM) reform included in government funding package
More Health/Employee Benefits News

Life Insurance News

  • Equitable reports mixed results but looks ahead to a stronger 2026
  • U-Haul Holding Company Reports Third Quarter Fiscal 2026 Financial Results
  • MetLife Announces Full Year and 4Q 2025 Results
  • Somerset Re Appoints New Chief Financial Officer and Chief Legal Officer as Firm Builds on Record-Setting Year
  • Indexing the industry for IULs and annuities
Sponsor
More Life Insurance News

- Presented By -

Top Read Stories

More Top Read Stories >

NEWS INSIDE

  • Companies
  • Earnings
  • Economic News
  • INN Magazine
  • Insurtech News
  • Newswires Feed
  • Regulation News
  • Washington Wire
  • Videos

FEATURED OFFERS

Elevate Your Practice with Pacific Life
Taking your business to the next level is easier when you have experienced support.

LIMRA’s Distribution and Marketing Conference
Attend the premier event for industry sales and marketing professionals

Get up to 1,000 turning 65 leads
Access your leads, plus engagement results most agents don’t see.

What if Your FIA Cap Didn’t Reset?
CapLock™ removes annual cap resets for clearer planning and fewer surprises.

Press Releases

  • Prosperity Life Group Appoints Nick Volpe as Chief Technology Officer
  • Prosperity Life Group appoints industry veteran Rona Guymon as President, Retail Life and Annuity
  • Financial Independence Group Marks 50 Years of Growth, Innovation, and Advisor Support
  • Buckner Insurance Names Greg Taylor President of Idaho
  • ePIC Services Company and WebPrez Announce Exclusive Strategic Relationship; Carter Wilcoxson Appointed President of WebPrez
More Press Releases > Add Your Press Release >

How to Write For InsuranceNewsNet

Find out how you can submit content for publishing on our website.
View Guidelines

Topics

  • Advisor News
  • Annuity Index
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • From the Field: Expert Insights
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Magazine
  • Insiders Only
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Washington Wire
  • Videos
  • ———
  • About
  • Advertise
  • Contact
  • Editorial Staff
  • Newsletters

Top Sections

  • AdvisorNews
  • Annuity News
  • Health/Employee Benefits News
  • InsuranceNewsNet Magazine
  • Life Insurance News
  • Property and Casualty News
  • Washington Wire

Our Company

  • About
  • Advertise
  • Contact
  • Meet our Editorial Staff
  • Magazine Subscription
  • Write for INN

Sign up for our FREE e-Newsletter!

Get breaking news, exclusive stories, and money- making insights straight into your inbox.

select Newsletter Options
Facebook Linkedin Twitter
© 2026 InsuranceNewsNet.com, Inc. All rights reserved.
  • Terms & Conditions
  • Privacy Policy
  • InsuranceNewsNet Magazine

Sign in with your Insider Pro Account

Not registered? Become an Insider Pro.
Insurance News | InsuranceNewsNet