Translation: If your plan has a NQTL that does not treat Mental Health and Substance Use Disorders in parity to Medical/Surgical, the member can sue for their adverse medical outcomes.
The financial nightmare scenario to employers is one where a member is trying to access mental health or substance abuse care but is denied certain care or drugs. Assume the member then has an overdose or commits suicide. In this scenario the employer/plan can be sued as liable if the denial of care was do to a non-allowed NQTL.
NQTL Comparative Analysis is all about finding and correcting any issues ahead of time.