Treatment for mental health and substance use disorders, also known as drug and alcohol issues, is essential to the health and wellbeing of Pennsylvanians. And, insurance coverage for mental health and substance use disorder benefits is critical to ensuring consumers can access and afford these services. In many cases, the laws and regulations governing insurance companies require certain services to be covered in certain ways. In order to ensure Pennsylvanians understand what benefits they are guaranteed access to, the Pennsylvania Insurance Department has put together this consumer guide to health insurance coverage for mental health and substance use disorder treatment in the Commonwealth.