Under the Code of Virginia, an accident and sickness insurance policy that provides hospital, medical, or surgical coverage must provide benefits for the treatment of mental health and substance use disorders on what basis relative to medical and surgical benefits?
A. Only if the insured pays an additional rider premium
B. At parity with, and no more restrictively than, medical and surgical benefits
C. Only for inpatient treatment, never outpatient
D. At the insurer's sole discretion with no comparability requirement
Source: Va. Code § 38.2-3412.1
Virginia law addressing minimum hospital stays after a mastectomy or lymph node dissection prohibits an insurer from doing which of the following?
A. Limiting the hospital stay to less than 48 hours without the attending physician determining a shorter stay is appropriate in consultation with the patient
B. Requiring prior authorization for any mastectomy
C. Covering mastectomy surgery at all
D. Requiring the surgery to be performed by an in-network provider
Source: Va. Code § 38.2-3418.6
Virginia's mandated benefit for autism spectrum disorder requires accident and sickness insurers to cover behavioral health treatment, including applied behavior analysis, primarily for individuals in what age range, subject to the statute's terms?
A. Only newborns under age 1
B. From the age of diagnosis through a statutorily defined age, generally covering young children up through the early school years and beyond as prescribed by the statute
C. Only individuals over age 65
D. The mandate applies solely to adults age 26 and older
Source: Va. Code § 38.2-3418.17
Virginia's mandated benefit statute addressing morbid obesity generally requires coverage for which of the following, subject to the statute's medical necessity and eligibility criteria?
A. Gym membership fees for all policyholders regardless of weight
B. Surgery for the treatment of morbid obesity
C. Cosmetic liposuction for aesthetic purposes only
D. Nutritional supplements sold without a prescription
Source: Va. Code § 38.2-3418.13
Under Virginia's telemedicine mandate for accident and sickness insurers, how must a health care service delivered via telemedicine generally be treated for coverage purposes compared to the same service delivered in person?
A. It must be covered on the same basis as if the service had been provided in person, provided it is a covered service and appropriately delivered via telemedicine
B. It may be excluded entirely because it was not delivered face-to-face
C. It can only be billed to Medicaid, never to a private accident and sickness policy
D. It must be reimbursed at double the in-person rate as an incentive
Source: Va. Code § 38.2-3418.16
