Mental Health Parity Act of 2007

Mental Health Parity Act of 2007 - (Sec. 2) Amends the Employee Retirement Income Security Act (ERISA) and the Public Health Service Act to require a group health plan that provides both medical and surgical benefits and mental health benefits to ensure that: (1) the financial requirements applicable to such mental health benefits are no more restrictive than those of substantially all medical and surgical benefits covered by the plan, including deductibles and copayments; and (2) the treatment limitations applicable to such mental health benefits are no more restrictive than those applied to substantially all medical and surgical benefits covered by the plan, including limits on the frequency of treatments or similar limits on the scope or duration of treatment. Prohibits the plan from establishing separate cost sharing requirements that are applicable only with respect to mental health benefits.

Requires that such a plan ensure that the requirements of this Act are applied to both in- and out-of-network services, if offered, by comparing in-network medical and surgical benefits to in-network mental health benefits and out-of network medical and surgical benefits to out-of-network mental health benefits.

Excludes from the requirements of this Act any group health plan: (1) for an employer with not more than 50 employees; or (2) whose costs of compliance with this Act increase the total costs of coverage by more than a specified percentage. Requires that determinations as to increases in actual costs under a plan be made and certified by a qualified and licensed actuary. Sets forth procedures for seeking a cost exemption, and authorizes audits of books and records relating to such an exemption.

(Sec. 4) Requires the Secretary of Labor and the Secretary of Health and Human Services to designate an individual within their departments as the group health plan ombudsman to serve as an initial point of contact to permit individuals to obtain information and provide assistance concerning coverage of mental health services under group health plans in accordance with this Act. Requires the Secretaries to provide for the conduct of random audits of group health plans to ensure compliance with this Act.

Requires the Comptroller General to study the effect of this Act on the cost of health insurance coverage, access to such coverage, the quality of health care, and the impact on benefits and coverage for mental health and substance use disorders.

Written by the nonpartisan Congressional Research Service. All summary versions on Congress.gov