Sidenote: reform of health care established the mandate of individual health insurance that requires an individual to purchase health insurance or pay a fine. This should not be confused with the mandates in the states for health insurance coverage service.
health insurance mandates seems to be the wave of the future that states create more mandates for coverage and have the power to determine "essential health services." essential benefits are benefits that must be provided a health plan - the reform of health care has also established that provision. Instead the federal government to determine the essential benefits in a plan, they passed the decision to the States.
As always, Massachusetts leads the pack in terms of insurance reform, and since 05, the state has mandated insurance for all residents. It also has a large number of mandates for the treatment of infertility, autism and coverage of maternity.
Since 2010, the states with the most insurance mandates include:
- Rhode Island
- Maryland
- Minnesota
- Texas
- Connecticut
There are several terms that are common and widely used across the board, including mandates on the treatment of mental health, alcoholism, mammography, breast reconstruction, emergency care, diabetes needs. Currently, there are over 2,100 offices in all fifty states and there is no national standard.
Q & A on essential health benefits and mandates
Q: Does the reform of health care to create a national standard?
A: Not really, the federal government is currently allowing states to make decisions regarding the coverage with only a baseline to follow.
Q: What happens to my insurance premiums when a new mandate happened?
A: benefits and health insurance costs are similar to balanced scale. When benefits are added to a plan, health insurance increase in plan costs. Legislators must balance the benefits with a cost to ensure that health insurance is affordable.
Q: What if my state already requires health plans to cover a lot of benefits?
A: If your state already requires health insurance plans to cover a wide range of services, then it will most likely not much change in the near future plans.
Q: What if I want my state to cover certain benefits?
A :. Contact the insurance department of your state to ask legislators to require additional benefits in health plans
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