Hmmmm, your questions seem to be making the parity thing more complicated than my insurance makes it. I think it's just a certain number of visits a year. So if you could go see the doctor once a week for physical complaints, you could now go that often for mental health complaints. My insurance used to provide partial coverage for 20 visits per year to a therapist, but when parity hit, they raised that to 50. (Of course, they won't reimburse a penny of MY therapist's fees, but that's a different story--not all therapists are created equal in their book.)