Mr. Speaker, I thank the gentleman from California for yielding me time, and I thank the chairman as well. Mr. Speaker, what we are doing here today is simply renewing an act that will allow mental health insurance to have the same limits…
Mr. Speaker, I thank the gentleman from California for yielding me time, and I thank the chairman as well.
Mr. Speaker, what we are doing here today is simply renewing an act that will allow mental health insurance to have the same limits in insurance coverage as every other insurance legislation that you would ever have for a physical illness. However, the problem is that we keep doing this each year without addressing the fundamental problem. The fundamental problem is that we have here in the Congress a bill that would require parity in insurance coverage, meaning equal copay, equal deductible, equal premium for those illnesses, for those mental illnesses, when it comes to insurance coverage as there would be for any other physical illness.
Mr. Speaker, I have two major illnesses. I have asthma, which is a chronic illness; and I have an EpiPen, and I have prednisone, and I also have bipolar disorder, and I have Prozac and I have lithium.
Now, I am fortunate enough to have insurance coverage where when I go to get my coverage for my medications, I do not have to pay a higher copay for my mental health drugs as opposed to my asthma drugs. Do you know why? Because the Congress of the United States has mental health parity. Yes, Members of Congress are not discriminated against when it comes to mental illnesses.
However, you in the public out there in America, when you try to go and try to get treatment for bipolar disorder, for schizophrenia, for major depression, for any number of mental illnesses, you are told you have to pay a higher copay, a higher deductible, and you are told that you have to pay a higher premium on top of that, all because this country still treats mental illness as if it is not a physical illness.
Mr. Speaker, I have a chart here that shows that mental illness is a physical illness, for those that do not truly believe it. Here we can see in what is an x-ray called a PET scan the difference between two brains, each differentiating from the other based upon a difference in the disorder that the illness represents. In this case, we have bipolar disorder, and you can see that there is greater activity in one part of the brain here for those that do suffer from it, as opposed to this brain.
The physical qualities of mental illness are well known, so why do we not have parity in this country? Well, we do not have parity because some think that it is going to cost us more money.
Well, the tests are in, the studies have been done, and, quite frankly, to my colleagues who think that this is going to cost the Chamber of Commerce more money, all they need to do is look at The Wall Street Journal for evidence to the fact that it actually saves businesses money. It saves businesses money because it costs us $31 billion a year, $31 billion a year in productivity lost because businesses do not ensure adequate coverage for their employees in mental illness.
Just understand this: anyone who has depression, are you truly able to make it at work and focus on what you are doing? That is called presenteeism. That is when you are at work, but you really are not at work because you cannot concentrate. That is called presenteeism. Then, of course, you have absenteeism. Of course, that is easy to measure.
The fact, my friends, is that an average person who has depression loses 5 hours a week of productivity compared to one that does not. So would you not think that some mental health coverage for the person suffering from depression might actually improve productivity?
Guess what? It does. The studies are in, and, frankly, that is why I cannot understand why the majority of this House has not even brought to the floor of this House a mental health parity bill that will allow us to end the discrimination that currently exists in this country.
We are sanctioning discrimination. We are basically saying, like, for example, cancer, well, we are not going to cover cancer because it is costing too much. That is essentially what we are being told by those who do not want to cover mental illness. We are basically being told ``your illness costs money.''
Well, if it is about saving money, why not just cut out cancer coverage, because, you know, that costs us a lot of money. That is a foolish argument. And equally as foolish is the fact that we would cut out from insurance coverage mental illness simply because of stereotypes and because of stigma in this country.
This legislation today is simply one part of a farce to make people think that we are actually doing something on mental health parity when, in fact, with this legislation what we are doing today, all it does is allow the insurance companies to play the game where they do not actually have to provide the coverage. They can organize various days that actually can be utilized and the number of appointments that someone can have or the kind of drugs that they are prescribed. This legislation might as well have been written by the insurance industry when it comes to coverage for those with mental illness.
So, Mr. Speaker, let me just conclude by stating a few facts. Those who are 65 or older are the highest rate of suicide in this country; 65 and older have the highest rate of suicide in this country. The third leading cause of death for young people is suicide. This year alone we are going to see 1,400 young people take their lives in colleges and universities in this country.
We are not taking this issue, this illness, seriously enough. And if it pulls your heart strings and it is simply about whether you think it is going to save money or not, you can see from these charts that even the Surgeon General of the United States has said that mental illnesses comprise the second leading cause of morbidity, meaning the lost days in life, productive life; and the World Health Organization has ranked it number one.
So how could we be so blind to look at such a significant part of our health care system and then just look the other way when it comes to insurance coverage?
I hope my good friend from California will help me in getting his leadership to help bring to the floor of the House a parity bill that will allow us to finally end the stigma and discrimination that still exists in this country towards those with mental illness.
Let me just say, with respect to our veterans coming back and suffering from post-traumatic stress disorder, when we say that we are not going to cover mental illness, we are making an implicit message out there to America that somehow it is not real, somehow it is not real health care, it is something on the order of cosmetic surgery. You know what that does? That means that there will be fewer veterans coming forward and asking for help. Ninety-six percent of the veterans coming back from Iraq right now are not signing up for any mental health consultation whatsoever. And the reason they are not is because of the stigma.
And by not bringing a bill like parity to the floor, another thing that we do that is unjust is we reinforce the image in America that if you are mentally ill there is something wrong with you, that you ought to just get up, pull yourself up by you bootstraps, and you ought to get with the program, and that it is some moral failure of yours as opposed to it actually being a physical disorder with its roots in the biology of the brain.
I thank the chairman and my good friend, the ranking member from California, for giving me this time to speak. There is so much here to discuss. I would not have all the time that I would need to discuss it. But hopefully if we do get a parity bill on the floor one of these days, we can have an even fuller discussion of this issue.