Kentuckians’ access to mental health care lags - 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
    • Meet our Editorial Staff
    • Advertise
    • Contact
    • 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
May 30, 2024 Newswires
Share
Share
Post
Email

Kentuckians’ access to mental health care lags

Messenger, The (Madisonville, KY)

Kentuckians are far more likely to pay out of pocket for mental and behavioral health services than for surgical or other medical care.

This insight comes from a recent American Psychological Association report, which examined health insurance claims made by millions of Americans who sought care.

The report showed that as COVID-19 peaked in the commonwealth, the number of Kentuckians forced to go out of their insurance network for acute inpatient care also increased.

Eric Russ, the executive director of the Kentucky Psychological Association, told the Lantern the numbers are likely higher than the report reflects because not everyone who seeks out of network care will file an insurance claim.

Overall, the report shows that Americans were 10.6 times more likely to go out of their insurance network for psychological care than they were for medical care. The paper cites lower reimbursement rates for mental health care providers as a major culprit.

The report's findings are "gravely disappointing," Arthur C. Evans Jr., the CEO of the American Psychological Association, said in a statement. "The federal parity law, the Mental Health Parity and Addiction Equity Act, passed in 2008 and it has still not achieved its goal of equitable access to care for mental health patients."

"The fact that so many patients are forced to go out of network to receive mental health and substance use care is unacceptable," said Evans.

The report recommends that states and health plans expand their behavioral health networks by raising reimbursement rates — "as they do for medical/surgical providers." Having access to more network providers, the report says, would ease the financial burden on patients who now, if they cannot afford to pay out of pocket, may go without care.

The report showed that from 2019 to 2021, out of network utilization of acute inpatient behavioral health care increased from 2.5% to 4% in Kentucky. That's much higher than 0.4% in 2019 and 0.2% in 2021 for medical and surgical care.

In 2021, Kentuckians were 17.2 times more likely to get out-of network care for behavioral health than they were for medical or surgical care. But the% of Kentuckians going out of network for outpatient behavioral care care decreased from 2019 to 2021 — 11% to 5%.

"One thing we've seen out of COVID is an increase in behavioral health needs," Russ said. Even before the pandemic, there was an increased need for mental health support. "And then COVID just took a sledgehammer to everybody's mental health."

Because there were not enough in-network providers, Kentuckians had to look elsewhere for help, a burden Russ said "falls harder on minority populations."

"Structural discrimination puts minority populations at an increased risk of mental health issues generally," he said. "And then the clinical field tends to be a pretty white dominated field," which makes it more difficult to find providers who are culturally competent to treat someone from a particular background or identity.

Usually when people seek care for a mental health issue, they've often already been struggling for a while, Russ said.

"Usually they've been feeling down, depressed, anxious, having relationship problems, having eating disorders for quite a long time before they even start seeking treatment," he said. "When you start looking, finally ready to get help, and then call your insurance company or call your primary care provider and say, 'hey, where do I go?' And they give you a list of providers and everybody's full and you can't get in — that's incredibly demoralizing."

This can add to the stigma that already surrounds mental health issues, Russ said. It can also put people's well being in jeopardy while they wait for help. This can be worse for people with conditions like ADHD (attention deficit hyperactivity disorder), who may already struggle with organization and time management.

Kentucky is doing slightly better than other states, the data show.

"No one is doing well" though, Russ said. "We have room to go before we have something that looks like real parity between our mental health and medical systems."

Kentucky Lantern is a nonprofit news site covering state government and politics.

Older

Leading Travel Insurance Comparison Website, TravelInsurance.com, Provides Critical Advice for Travelers During Active 2024 Hurricane Season

Newer

As insurance rates spike, companies will soon be required to explain rate hikes to policyholders [The Spokesman-Review, Spokane, Wash.]

Advisor News

  • Nearly half of nonretirees doubt they will fully retire
  • How much could failure to fund Social Security cost average Americans?
  • How can more Americans achieve financial independence?
  • Savers vs. spenders: How money management attitudes impact financial confidence
  • Demonstrating the value of life insurance to Gen Z
More Advisor News

Annuity News

  • Advisors don’t have an annuity problem; they have an integration problem.
  • Agentic AI is transforming insurance sales both for consumers and agents
  • Canvas steps into the direct-to-consumer market that has yet to take off
  • The next growth phase in life/annuities depends on modernization
  • CA judge certifies class action in teachers’ lawsuit over in-plan annuity fees
More Annuity News

Health/Employee Benefits News

  • Insurers hedge on Trump-backed pledge to improve denials process
  • Tips for life, health insurance for military members, families
  • Health insurers use a whole arsenal of tools to deny care, increase profit
  • Health insurers use a whole arsenal of tools to deny care, increase profit
  • Covered California rates to jump nearly 10% as thousands struggle to afford coverage
More Health/Employee Benefits News

Life Insurance News

  • Agentic AI is transforming insurance sales both for consumers and agents
  • USAA introduces Secure Start whole life program for children
  • Best’s Market Segment Report: AM Best Maintains Stable Outlook on South Korea’s Non-Life Insurance Market
  • Horace Mann Strengthens Customer Relationships and Accelerates Long-Term Growth Through Transactions with Medical Mutual of Ohio
  • Regulators: ‘No firm conclusions’ from first offshore reinsurance filings
More Life Insurance News

NEWS INSIDE

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

FEATURED OFFERS

Press Releases

  • Prosperity Life GroupSM Launches Prosperity PathWaySM Series, Bringing Greater Choice and Flexibility to Retirement Income Planning
  • Senior Market Sales® Fortifies Annuity Reach With Acquisition of Retirement Planning Firm Stratton & Company
  • RFP #T01625
  • Rockwood Programs Appoints Kerry Ladouceur as Vice President, Financial Lines
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
  • Meet our Editorial Staff
  • Advertise
  • Contact
  • 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