State RegulationsTN specificDifficulty 2/5
A Tennessee group health policy excludes benefits for the treatment of alcoholism and drug dependency. Which statutory mandate is implicated by that exclusion?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
T.C.A. § 56-7-2360 is the Tennessee provision addressing required mental health, alcoholism, and drug dependency benefits in health policies. An exclusion stripping alcoholism and drug dependency coverage implicates that mandate, and the Tennessee Department of Commerce & Insurance enforces the state's required-benefit rules against insurers delivering policies in the state.
Why the other options are wrong
- A) The newborn mandate under T.C.A. § 56-7-2301 concerns coverage of newly born children, not substance-dependency treatment.
- B) T.C.A. § 56-7-2304 concerns continuation of group coverage when an insured would otherwise lose it, not required treatment benefits.
- D) T.C.A. § 56-7-2602 belongs to the family coverage mandates, not the mental health and substance-dependency mandate.
Memory hook
The mind-and-addiction mandate covers mental health, alcoholism, and drug dependency.