Mandating coverage

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Between the federal government and the states, there are thousands of health insurance mandates.Although mandates continue to be added as health insurance requirements, they are controversial.You can find information about individual state mandates from several sources: Under the ACA, all new (effective since 2014) individual and small group plans in all states must include coverage for the EHBs, must have adequate provider networks, and must cover pre-existing conditions and be issued without regard for medical history.That's the minimum standard to which the plans must adhere, but states can go beyond the ACA's requirements.

Uniformed Services Employment and Reemployment Rights Act (USERRA)Gives an employee the right to continuation of health coverage under the employer’s health plans while absent from work due to service in the uniformed services.

The mandate laws differ from state to state and even for the same mandate, the rules and regulations may vary.

For example, most states mandate coverage for chiropractors, but the number of allowed visits may vary from state to state.

Mandated benefits (also known as “mandated health insurance benefits” and “mandates”) are benefits that are required to cover the treatment of specific health conditions, certain types of healthcare providers, and some categories of dependents, such as children placed for adoption.

A number of health care benefits are mandated by either state law, federal law — or in some cases — both.

An example of this is the fact that adult dental care is not one of the essential health benefits mandated under the ACA, nor is adult dental care required to be covered under Medicaid (some states do include dental coverage in their Medicaid programs, while others don't).

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