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Tennessee has its own laws that state most policies must cover bone marrow transplants, prenatal/postnatal care, certain mental health services and treatments, autism therapy (if a plan covers neurological disorders), substance abuse inpatient and outpatient, off-label uses of prescription drugs (if a plan has drug coverage), audiology/speech pathology treatment; reconstructive breast surgery and prostheses (if mastectomies are covered); hearing aids for children; infant hearing screening; chiropractic; approved clinical trials; and screenings including mammography, prostate cancer, chlamydia, colorectal cancer and bone density.
The state may choose a benchmark plan that covers most of the categories and then "supplement" any missing categories using benefits from other plans.
The purpose
The essential benefits Haslam approves will be applied to all health insurance offered in the state after Jan. 1, 2014. Plans could modify coverage within a benefit category, but they cannot reduce the value of coverage. The point is to offer insurance to people who haven't had it before, either because they couldn't afford coverage or had pre-existing conditions that prevented them from getting a policy, as well as "underinsured" people with policies that lacked some benefits.
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