Coverage of important benefits

• Insurers must cover: mental health parity that goes beyond federal requirements, substance abuse treatment, alcoholism treatment, mammography screening, invitro fertilization, and well-child care.

NoNE

Appropriate access to care

• Insurers must cover emergency services that a "prudent layperson" thought necessary.
  
  
• Law prevents insurers from "gagging" doctor-patient communications.

NoNE

Patient right to appeal denied claims

Ensured payment of claims

• Insurers must have financial reserves to cover claims.
  
  
• State will take corrective action and seize assets to pay claims.

NoNE

Prompt payment rules

• Insurers must pay providers within reasonable required timeframe.

NoNE

Proper oversight of insurers

• Management of complaints from you and your healthcare provider.
  
  
• Investigation, oversight, and enforcement of plan rules (including financial penalties).

NoNE