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  3. Access to mental-health care should soon be cheaper and easier for millions of Americans, thanks to a "mental-health parity" law

Access to mental-health care should soon be cheaper and easier for millions of Americans, thanks to a "mental-health parity" law

admin2015-03-25  46
问题     Access to mental-health care should soon be cheaper and easier for millions of Americans, thanks to a "mental-health parity" law signed by President Bush this month.【F1】After a 10-year battle by mental-health advocates, depression, for example, will reach equal footing with heart disease or cancer on Jan. 1st, 2010.
    【F2】The new law doesn’t cover everyone; most notably, employees of companies with 50 or fewer workers are excluded, as well as people who buy their own policies. But it comes as a great relief to those who will benefit.【F3】Starting in 2010, group health plans will no longer be allowed to impose different limitations on mental-health and substance-abuse coverage than they do for medical treatment. In other words, deductibles, copays, covered hospital days, and any limits on outpatient treatments must be identical. And for the first time, employers who self-insure are required to provide equal coverage, a change that brings parity to 82 million people covered through so-called ERISA plans.
    Since 42 states already have their own form of parity laws and the federal government has required parity from insurers who participate in its benefits plans since 2001, many people won’t notice much of a difference. Under the federal version, insurers can still require that services be medically necessary and can require preapproval or prior review. They can also require medical evidence that the treatments are effective.
    Medicare recipients aren’t affected by this law; a measure adopted earlier this year already eliminated discriminatory copayments in that program, which had been capped at 50 percent for mental-health treatment, compared with 20 percent for most doctors’ services. The Medicare change is being phased in gradually and won’t be fully in force until 2016.
    【F4】Access to care will remain an issue, no matter how good the insurance coverage. Jim Hackett found that out firsthand when he sought psychiatric care for his teenage daughter after she had been sexually assaulted. Hackett is CEO of Anadarko Petroleum in Houston.【F5】Not only did the company’s employees already have mental-health equality, but he could have afforded to pay out of pocket. But the family had to look out of state for an appropriate child psychiatrist. "Now that we have the funding for people to get over the stigma of mental illness, we have to make sure that facilities and doctors will exist for them as well," Hackett says. As a business manager, he believes that the increased cost of parity coverage, which was found to be 0.5 percent of premiums in a 2006 study of federal employee insurance, is more than made up for by increased productivity from employees who are ill themselves or caring for a sick relative.
【F2】
选项
答案这项新的法律并没有涵盖每个人；最明显的是，那些只有50名或者更少员工的公司就被拒之门外，同样，那些自己买保险的人也享受不到这项优惠。
解析 本句是由一个主句加一个定语从句构成的复合句，主句的主体是The new law doesn’tcover everyone，宾语是everyone，之后对everyone进行了解释，主要有两种人被排除在外：employees和people，在employees之后有一个of引导的介词短语对其进行限制修饰，在people后有一个定语从句进行限制修饰，两种人分别说明了两种情况，所以可以分成两句话来翻译，翻译时可以补译谓语来把情况说得更为清楚。
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