Important insurance info if you have a mental illness:

• Mental health parity: For large employer plans, restrictions cannot be any stricter for mental health coverage than they are for physical health coverage. They also can’t charge more for cost-sharing amounts or have extra mental health deductibles. In 2014, these protections expand to most plans.
• Non-Monetary Benefit Restrictions:  Plans can still impose non-monetary restrictions, such as caps on the number of mental health visits.
• Benefit restrictions:  Under reform, new individual plans and most employer plans must cover up to $1.25 million worth of care this year.
• Pre-existing condition discrimination: Until 2014, you may face higher premiums or a denial of coverage due to a mental health condition. See “Pre-Existing Condition Insurance Plan” tab.