Which of the following is mandatory coverage for our group health care service contracts?

The correct choice is treatment for alcoholism, as mandated coverage under New Jersey law for group health care service contracts. This requirement stems from both state and federal legislation aimed at ensuring that individuals dealing with substance abuse issues receive necessary treatment. The Mental Health Parity and Addiction Equity Act of 2008, along with state-specific regulations, provides a framework to ensure that health plans cover mental health and substance use disorder services, including treatment for alcoholism, on par with medical and surgical benefits.

In the context of group health plans, this means that insurers must provide coverage for an array of substance use disorder treatments, which are critical for the recovery and well-being of individuals affected by alcoholism. This is a public health priority, recognizing the serious impact of addiction on individuals and society.

While maternity care, prescription drugs, and dental care may be essential benefits, they are not universally mandated for all group health care service contracts in New Jersey. Coverage for maternity care and prescription drugs may vary depending on the specific health plan, and dental care is often treated as a separate plan altogether, not necessarily included in standard health care contracts. Therefore, treatment for alcoholism stands out as a key requirement that aligns with public health policies and ensures equitable access to necessary care for those in need.