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Trends and Indicators in the Changing Health Care Marketplace
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Section 4: Health Insurance Benefits
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Exhibit 4.12: Number of States with Mandated Benefits and Consumer Protection Laws, 2004
Over the last few years, an increasing number of states have enacted mandated benefits and consumer protection laws, and the scope of these laws has expanded. One of the most significant protections is mandated external review of health plan decisions, required by 45 states (including the District of Columbia) in 2004. By contrast, only a handful of states (10) have laws specifying circumstances under which health plans can be sued by patients (health plan liability).
 
 

Notes: Number of states (including the District of Columbia) with cancer screening by type of cancer: breast (50), cervical (27), prostate (26), colorectal (19), ovarian (3). Mental health parity requires insurers to provide benefits for mental illnesses that are equal to the benefits provided for physical illnesses, including copayments, deductibles, inpatient days, outpatient visits, and annual and lifetime benefits.
*Includes the District of Columbia.
‡These requirements apply to managed care organizations only.

Source: Kaiser Family Foundation, State Health Facts, at www.statehealthfacts.kff.org, using data as of December 31, 2004 from the Health Policy Tracking Service, a service of Thomson West.

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Section 4: Health Insurance Benefits
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Trends and Indicators in the Changing Health Care Marketplace
Information provided by the Health Care Marketplace Project.

Publication Number: 7031
Information Updated: 02/08/06

 

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