http://www.healthcare.gov/how-can-i-get-coverage-outside-of-open-enrollment
Effective January 1, 2011. The Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA) amended changes for mental health and substance abuse services that will require group health plans and insurance carriers to ensure that members will have access to treatment and services in the same manner as requirements and limitations applied to medical and surgical benefits.