A little-publicized legal decision was just issued by Judge Joseph C. Spero of the U.S. District Court of Northern California that anyone who plans to use their mental health insurance coverage to secure needed care will want to school themselves on. Ruling on a class action lawsuit brought against United Behavioral Health (UBH), a subsidiary of UnitedHealth Group, the nation’s largest health insurer, Judge Spero drew the conclusion that UBH had reneged on its fiduciary responsibility to policyholders by adopting treatment guidelines that focused on cost savings through limiting coverage to the management of acute mental health episodes.