Tools for Change
Empowering Health Insurance Reform
This resource hub is in the process of being built to empower clinicians, policymakers, advocates, and concerned community members with the tools they need to support a stronger and more just healthcare system. Whether you’re navigating reimbursement barriers, preparing to speak with lawmakers, or learning why insurance reform matters, this page offers a growing collection of documents, guides, templates, and evidence-based data.
You’ll also find a state-by-state section with key links to help advocates across the country take action in their own communities. The resources reflect our commitment to meaningful change through legislation, litigation, education, innovation, and a united “we the people”. We invite you to explore, share, and build from these materials as we work together to create a more ethical and equitable healthcare system.
Education
This library provides educational materials, legal context, and practical tools related to mental health parity, insurance practices, and provider sustainability. Resources are intended for clinicians, advocates, journalists, and community leaders.
Foundations: Mental Health Parity & Insurance
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Mental Health Parity & Insurance Reform Glossary
Key terms and concepts related to parity law, enforcement, and insurance practices.
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Understanding NQTLs (Kentucky)
Overview of non-quantitative treatment limitations and their impact on access to care.
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Know Your Rights – Kennedy Forum Parity Registry
National parity violations database and educational tools.
Oversight & Enforcement
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Insurance Parity Enforcement: How States Compare
This report breaks down how different states are actually enforcing mental health parity—going beyond legislation to highlight real oversight, penalties, reimbursement reforms, and access outcomes. It uses a three-tier system to track which states are holding insurers accountable and which are falling behind.
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State-by-State Insurance Oversight Enforcement
Regulatory authority, audit structures, and insurance oversight policies across U.S. states. Covers enforcement capabilities, complaint response systems, and agency responsibilities tied to parity compliance. This document includes a national directory of state-by-state insurance complaint portals, letting individuals file parity enforcement complaints in their own state.
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Submit a Kentucky Insurance Complaint
Official Kentucky Department of Insurance complaint portal.
Clinician Practice & Sustainability Tools
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Clinician Resource Packet (KY)
Practice tools and guidance for clinicians navigating insurance systems.
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Insurance Negotiation Strategies
Practical strategies for negotiating rates and addressing denials.
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Reducing Healthcare Costs While Building Cooperative Models
Cost-reduction strategies during development of the People’s Solidarity Fund.
Organizing Models & Infrastructure
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State Branch Getting Started Guide
Educational guide to building state-level coordination and advocacy structures.
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People’s Solidarity Fund – Overview
Background on cooperative healthcare alternatives developed by MHIRTF.