I'm going to get it through my school, so I don't know if it even qualifies to be scrutinized under the mental health care parity law. Even so, I looked at it again and supposedly as long as I don't go anywhere that specializes in mental health or substance abuse, it's covered most of the way. So if I get sent inpatient it would have to be at a normal hospital rather than anywhere that actually focuses on mental health. I've only ever been inpatient at psych-only places, so I don't know what the potential difference in care (or lack thereof) is. It's still not the same as their injury/sickness coverage because you would GET to see a specialist not affiliated with a general hospital for an injury or sickness, it just wouldn't be covered quite as much. But try to see a specialist not affiliated with a general hospital for MI and you're SCREWED.

My insurance currently, and as it will be for the next couple of weeks, is private through my mother's employer. It offers nothing but emergency care in Mississippi which is where I am most of the year. It is changing soon because I am turning 18 and my mother will no longer be obligated to pay for it (my dad runs a struggling partnership with one other person and they can't afford to pay for health insurance through their business, and as part of child support mother was ordered to pay for children's health insurance). Also, my stepmom is adopting me when I turn 18, so that would cut off mother's insurance automatically. My dad's had cancer twice and so as of now, insurance companies don't want to cover him and his family.

The insurance brochure is here:
http://www.health.msstate.edu/health...r2013_2014.pdf

As for the grant, my family doesn't make a lot so I qualify for a state-issued counseling grant in MS so I don't have to pay for my "permanent" counselor.