Does the Mississippi law requiring coverage apply to all plans?
Yes, except it does not apply to the following:
- ACA plans from the Marketplace
- Those plans that must have essential health benefits
- Self-funded health benefit plans under ERISA
- Where the employer pays medical claims directly, rather than have a group insurance policy for employees. Some of these plans may be handled by an insurance company, so it’s important to check if your plan is self-funded and not subject to the autism coverage law.
- Medicare supplement plans
- Accident-only plans
- Plans for specified disease (other than autism or ASD)
- Hospital indemnity plans
- Disability income plans
- Long-term care plans
- Other limited benefit hospital insurance policies
