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Do State or Federal Health Insurance Requirements Apply?


Image: Tony the Misfit under CC 3.0

The healthcare reform legislation creates a list of mandatory minimum coverage level, which require all health insurance options to cover certain treatments and tests.

However, 27 states and Washington, D.C. have their own coverage mandates, which extend from colon cancer and preventative care to autism therapy. In the case where they conflict, which one holds sway?

Not to worry: the broader standard will apply to health insurance companies in each state, regardless of whether it is state or federal.

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