State RegulationsTN specificDifficulty 3/5
A Tennessee employer reviews its group health plan's benefit design against state mandates. Which combination of coverages do Tennessee's mandate statutes cited for group policies require the plan to address?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Tennessee's mandated coverages for group health policies include newly born children coverage from birth (T.C.A. § 56-7-2301) and benefits for mental health, alcoholism, and drug dependency treatment (T.C.A. § 56-7-2360); the family-coverage mandate family at T.C.A. §§ 56-7-2601 through 56-7-2602 and following rounds out the group-policy mandate landscape. A plan sponsor designing group benefits must build these statutory requirements into the plan rather than treat them as optional riders.
Why the other options are wrong
- A) Vision and hearing benefits are not the mandates the cited group-policy statutes impose; the verified mandates concern newborns and mental health, alcoholism, and drug dependency treatment.
- B) Dental coverage and retiree long-term care are not requirements of T.C.A. § 56-7-2301 or T.C.A. § 56-7-2360.
- D) This contradicts the mandate statutes themselves: T.C.A. § 56-7-2301 and T.C.A. § 56-7-2360 impose required benefits on Tennessee group health coverage.
Memory hook
Birth and behavioral health are the headline group mandates.