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how to lower coumadin levels For example, the regulation specifying "essential" health benefits requires everyone buying health plans covered by the regulation to pay for 10 types of health benefits that all "non-grandfathered" health plans must cover, regardless of whether the plans are sold via the new health care exchanges or elsewhere. The list includes maternity and newborn care, pediatric oral and dental care, prescription drugs, mental health and substance abuse treatment. These mandates are in the law, and this coverage is deemed "essential" even for celibate priests, gay male couples and post-menopausal women. To add insult to injury, federal officials assure us that Washington knows best, asserting that these expensive new plans are better than the "substandard" plans people previously preferred to spend their hard-earned money on.