Consumer Coverage Disclosure FAQ

FAQ Index

    Questings

    Where can I obtain a list of Essential Health Benefits as identified by the State of Illinois?

    The list of Essential Health Benefits is available here. The Consumer Coverage Disclosure Act requires employers to notify employees of which of these Benefits are and are not covered by their employer-provided group health insurance coverage.

     

    As an employer, how do I fill out the chart of Essential Health Benefits?

    Employers should compare the health benefit coverage provided by each of your group health insurance policies to the chart, and indicate which benefits are and are not covered by the policy. Your insurance carrier or broker may be able to help you compare the coverage provided by the policy or policies provided your business to the list of essential health benefits.

    I am an employer and have already provided my employees with information on the health benefits covered by whichever health plan they choose. Do I still need to provide them with the specific form provided by the Department of Labor?

    You do not have to provide employees the specific form provided by the Department of Labor. However, your disclosure must comply with the requirements of the Consumer Coverage Disclosure Act, such as providing your employees clear information about which Essential Health Benefits your employer-provided group health insurance covers and which Essential Health Benefits are not covered. You may find the linked list of Essential Health Benefits here. In order to be in compliance, you must also freely provide this information to your employees upon hire, annually, and upon request.

     

    Is my business required to provide all the Essential Health Benefits listed on the chart? 

    The Consumer Coverage Disclosure Act (Public Act 102-0630) does not impose coverage requirements on employers. It only imposes disclosure requirements. The benefits that employers are required to cover may depend on whether your plan is self-funded or fully insured, and whether you are a small employer or a large employer. If you have questions about the legal requirements applicable to your coverage, contact an attorney.

    Will my business be penalized if my employer-provided group health insurance coverage benefits are not the same as those included in the Essential Health Benefits list?  

    The Consumer Coverage Disclosure Act does not impose coverage requirements on employers. It only requires certain disclosures to your employees about coverages you provide. If you have questions about legal requirements applicable to your coverage, contact an attorney.

    Does this requirement apply to ERISA or self-funded plans?

    A: Because the Consumer Coverage Disclosure Act creates a benefits notification requirement for all Illinois employers, regardless of the type of insurance they provide, and does not mandate insurance provisions or otherwise have any direct impact on employer-provided group health insurance coverage, employers who provide self-insured plans and/or ERISA plans are subject to the provisions of the Act.


    What does the information in the "Benchmark Page # Reference" column in the Listing refer to?

    The page numbers in that column refer to where the benefit in question appears in the Access to Care and Treatment Benchmark Plan and the Pediatric Dental Plan as provided by the Department of Insurance.