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HHS has commissioned the Institute of Medicine to conduct a study on the Essential health Benefits of the health care law. They are to recommendations will lead to how Essential health benefits are determined. This is a huge aspect of the law. Right now we have an idea of what these essential benefits are. Anthem Essential Health Benefits There is real concern on transparency with the HHS on this topic. When these benefits are determined it will have a huge impact on Health Insurance.
1. Elimination of lifetime limits on essential health benefits (effective for plan years starting on or after September 23, 2010)
2. Restricted annual limits on essential health benefits (effective for plan years starting on or after September 23, 2010)
3. Requirement that employers of 50 or more employees provide minimum essential coverage that includes the essential health benefits package (effective in 2014)
4. Requirement that qualified health plans offered in exchanges include the essential health benefits package (effective in 2014)
Allergy injections and/or testing
Ambulance
Ambulatory surgical services
Asthma education
Bariatric surgery
Cardiac rehab
Chiropractic manipulation services and/or osteopathic manipulation
Diabetic supplies and glucometers
Diagnostic services
Dialysis and kidney disease treatment
Durable medical equipment, medical equipment and supplies, oxygen
Emergency room services
Enteral formula and modified low protein food products
Hearing aid
Home health care
Hospice
Infusion therapy, home infusion therapy
Inpatient or outpatient facility services
Inpatient rehab/physical therapy
Maternity
Mental health/substance abuse inpatient and/or outpatient
Office visits
Ostomy supplies
Outpatient occupational therapy
Outpatient physical therapy
Outpatient speech therapy
Pharmacy and prescription drugs/injections
Preventive care and preventive screenings
Prosthetic devices or limbs
Pulmonary or respiratory rehab/therapy
Skilled nursing
Surgical and anesthesia services
Transplant service
Treatment of TMJ
