A group health plan or insurance must provide benefits for which of the following?

The correct answer is that a group health plan or insurance must provide benefits for mental illness, alcoholism, and drug addiction. This aligns with the requirements outlined in laws such as the Mental Health Parity and Addiction Equity Act (MHPAEA), which mandates that treatment for mental health conditions and substance use disorders be provided on the same basis as treatment for physical health conditions.

By requiring coverage for all three categories—mental illness, alcoholism, and drug addiction—health plans ensure comprehensive care for individuals who may be struggling with these issues. This comprehensive inclusion reflects an understanding that mental health and substance use disorders often intersect and can significantly impact an individual's overall health and wellness.

The importance of this coverage is underscored by the increasing recognition of mental health and addiction as crucial components of health care. Providing benefits for various mental health conditions and substance use disorders helps to promote access to necessary care, reduce stigma, and support better health outcomes for individuals in need.