Healthcare Bill went into effect 09-24-10

Read the HR Healthcare Reform Bill
by clicking on the pdf icon.

Annual or Wellness Exam Benefits

State programs that follow federal mandates require HMOs and medical insurance plans to                                                             provide free, comprehensive annual physicals to their membership.

Employee Assistance Program (EAP) 

All health plans offered to state or a private company and their dependents have                                                                          employee assistance programs (EAPs). 

Explanations of Benefits

Your explanation of benefits (EOB)  is quite possibly the most important                                                                                         document you will receive from your medical insurance company.  It is not a "bill".