In 1996, the NAIC adopted a standard for health plan coverage of emergency services. This standard is based on a concept known as the:

Question

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The Prudent layperson standard requires that health plans cover emergency services based on whether a prudent layperson, who possesses an average knowledge of health and medicine, would believe that their condition requires immediate medical attention. This standard was adopted by the NAIC in 1996 to ensure that patients are not denied coverage based on a hindsight review of their symptoms.

In 1996, the NAIC Adopted a Standard for Health Plan