A study of how five states -- Alabama, Colorado, New Mexico, Oregon and Virginia -- are meeting the Affordable Care Act's requirements for "essential health benefits" found that three of them had to add habilitative services to become fully compliant. The federal government -- as well as some states -- has not defined habilitative services. "Some of our insurer respondents indicated they would just 'copy what we have on the physical therapy side' to comply with the requirement to cover habilitative services," the researchers said.

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