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Insurance for mental health. A viewpoint on its scope.

Insurance, although important as a finance source for certain subsets of mental health services, plays a restricted role in the financing of their aggregate costs and the delivery of care to low-income groups identified as having unmet needs. The present level of insurance reflects the location of initiative and leverage within the health care market and the trade-off of economic interests involving professionals, consumers, carriers, and employers. Various methods of cost control, a prerequisite in any insurance program, differ as to expected mechanisms of action, side effects, and power. A consumer-oriented insurance system must deal with problems of quality control related to competing conceptual models governing therapy today. A comprehensive health care system would facilitate improvement of mental health insurance.