By Julian Pecquet - 03/22/12 04:32 PM EDT
• Prohibiting lifetime limits on coverage and
• Restricting annual limits;
• Requiring plans to cover young adults on their parents' coverage;
• Prohibiting rescissions except for fraud;
• Requiring preventive care without cost-sharing;
• Prohibiting plans from imposing preexisting condition exclusions on minors;
• Requiring plans that provide benefits with respect to emergency services to cover such services without prior authorization, regardless of whether the provider participates in the plan's network;
• Requiring plans to allow patients to designate any available participating primary care provider as their provider;
• Requiring plans to allow parents to choose any available participating pediatrician to be their children's primary care provider; and
• Prohibiting plans from requiring a referral for obstetrical or gynecological care.
Twelve states — Connecticut, Hawaii, Iowa, Maine, Maryland, Nebraska, New York, North Carolina, North Dakota, South Dakota, Vermont, and Virginia — passed legislation to implement all 10 reforms, the report found.