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Essential Health Benefits require same minimum set of benefits

updated April 2013

Beginning in 2014, all non-grandfathered health plans made available to individuals and small groups in Kansas must include the same minimum set of benefits. These are called essential health benefits and are generally grouped in these categories:

In each state, state leaders or the federal government has identified a “benchmark” plan off which all insurance issuers in that state must base their benefits.

For most of Kansas, the benchmark plan picked by the federal government is the Comprehensive Major Medical plan offered by Blue Cross and Blue Shield of Kansas. In addition to the benefits that are included in the Comprehensive Major Medical plan, all issuers also must include habilitative services, as well as pediatric oral and vision care. A health insurance issuer may choose to offer additional benefits.