Essential Health Benefits**

The health reform law placed certain coverage requirements on essential health benefits, and provides a broad set of benefit categories that would be considered essential to a health benefits package -- including hospitalization, outpatient services, emergency care, prescription drugs, maternity care, preventive services and other benefits. The Secretary of HHS will, in the future, define what constitutes \Essential Health Benefits\ and this will be guided by the current scope of benefits provided under a typical employer plan. For plan years beginning in 2010 the only requirement for \Essential Health Benefits\ is that if they are included in the plan they may not be subject to a lifetime limit and until 2014 can only be subject to a \restricted annual limit\.