Private Health Insurance: Access to Individual Market Coverage May Be Restricted for Applicants with Mental Disorders Page: 2 of 32
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Results in Brief
In A Minority of States, Individual Market Carriers Guarantee
Access to Coverage
In Other States, Applicants with Mental Disorders May be More
Likely to be Denied Coverage
High-Risk Pools Are the Primary Source of Coverage for Applicants
with Mental Disorders Who Are Denied Coverage
Comments From External Reviewers
Appendix I Scope and Methodology 25
Appendix II GAO Contact and Staff Acknowledgments 27
Related GAO Products 28
Table 1: Prevalence of Selected Mental Disorders among Adults
during a 1-Year Period 5
Table 2: States that Require Carriers to Guarantee Access to
Table 3: States in Which Certain Carriers Voluntarily Guarantee
Access to Coverage 11
Table 4: Likely Underwriting Decisions of Seven Carriers for
Hypothetical Applicants with Selected Mental Disorders 13
Figure 1: Seven Carriers More Likely to Deny Coverage to
Applicants with Selected Mental Disorders 15
Figure 2: Seven Carriers' Likely Underwriting Decisions for
Applicants with Selected Health Conditions 17
GAO-02-339 Access to Health Insurance for Applicants with Mental Disorders
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United States. General Accounting Office. Private Health Insurance: Access to Individual Market Coverage May Be Restricted for Applicants with Mental Disorders, report, February 28, 2002; Washington D.C.. (digital.library.unt.edu/ark:/67531/metadc292222/m1/2/: accessed December 18, 2018), University of North Texas Libraries, Digital Library, digital.library.unt.edu; crediting UNT Libraries Government Documents Department.