To be in compliance with the new healthcare reform laws and avoid costly penalties, you must purchase insurance coverage that pays at least 60% of the costs of the following “essential benefits.”

-Ambulatory patient services

-Emergency services

-Hospitalization

-Maternity and newborn care

-Prescription Drugs

-Mental health and Substance Abuse disorder services

-Rehabilitative and habilitative services and devices

-Pediatric services, including oral and vision care

-Preventive and wellness services, and chronic disease management