By Michelle Andrews
KHN / September 16, 2014
For decades, states have set rules for health coverage through mandates, laws that require insurers to cover specific types of medical care or services.
The health law contains provisions aimed at curbing this piecemeal approach to coverage. States, however, continue to pass new mandates, but with a twist: Now they’re adding language to sidestep the health law, making it tougher than ever for consumers to know whether they’re covered or not.
Confused? Policy experts fear consumers will be too.
State coverage mandates vary widely. They may require coverage of broad categories of benefits, such as emergency services or maternity care, or of very specific benefits such as autism services, infertility treatment or cleft palate care.
Some mandates require that certain types of providers’ services be covered, such as chiropractors.
They may apply to all individual and group plans regulated by the state, or they may be more limited.
Photo by Michal Zacharzewski