Federal law mandating hospital pregancy testing

These state laws only apply to those health plans purchased by an employer from a commercial insurance company.

Some employers that self-insure will hire a commercial insurance company to write the checks and track the paperwork, even though the money for the payments still comes from the employer.The ADA Amendments Act of 2008 makes it much easier to show that a medical condition is a covered disability. Harassment is illegal when it is so frequent or severe that it creates a hostile or offensive work environment or when it results in an adverse employment decision (such as the victim being fired or demoted).The harasser can be the victim's supervisor, a supervisor in another area, a co-worker, or someone who is not an employee of the employer, such as a client or customer.If you have coverage through your employer but your coverage is not provided by an insurance company or HMO (that is, your employer “self-insures” your coverage), then state law does not apply.In that case, only the federal WHCRA applies and it does not require minimum hospital stays.Nor does it allow insurance plans to reward doctors who do not encourage their patients to look into breast reconstruction. The law also requires that insurance providers notify you of this coverage when you enroll in their plan, and every year after that.

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