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Under the Affordable Care Act, insurance plans offered in the new marketplaces will have to cover a core set of services called “essential health benefits.” Included on the list of 10 benefits are mental-health and substance-use disorder services, which include behavioral health treatment, counseling and psychotherapy. Specifically, as part of what’s considered preventive services, plans will also cover alcohol-misuse screening and counseling, depression screening for adults and adolescents, domestic and interpersonal violence screening for women, and behavioral assessments for children.

The Obama administration said in April it was scaling back the complexity of the small-business marketplace by delaying by one year a feature to allow employees of such businesses to pick from a range of plans, instead of the company selecting one on workers' behalf.

Business owners will be allowed to submit a paper application using a PDF form starting Tuesday, but they won't be able to complete an electronic application until a few weeks later, the official said. A call center for businesses will open Tuesday for employers who want help completing the paper application.

Companies are increasingly offering employees health plans that allow them more freedom to choose doctors and hospitals and that generally do not require referrals from primary care doctors for specialty care.

insurers generally still pay a fee for every visit and procedure, a payment system that has been blamed for driving up spending.

this movement back toward’’ fee-for-service medicine “is really going to hurt us.’’

Most in the Pioneer group achieved quality improvements, but only 18 produced cost savings.

It remains to be seen whether it functions profitably or not," said Alan Miller, chief executive of Universal Health Services, which operates more than 200 hospitals, behavioral health facilities and outpatient centers."There has been a lot of discussion of moving away from fee- for-service to something like this, but we are a long way from there," Miller said.

If it became necessary to do something to be competitive, we might change our mind, but right now we think we can continue to grow our business without spending the capital dollars and replacing what managed care companies can do well, just by contracting,"

Even fewer were able to actually apply for coverage. Federal officials declined to provide those figures.

Under the Affordable Care Act, health care providers may be rewarded if they demonstrate better health outcomes at lower costs.

“In the old world, doctors and hospitals were paid more if they did more,” Kannaday said. In the new model, doctors and hospitals that demonstrate they are providing quality care at a lower cost are rewarded financially, she said.

decline in charity care and bad debt with more patients

But the ACA does little to address fragmentation, quality of care, and the sustainability of the financial model for U.S. health care — ho

At the foundation of our approach is a knowledge-management system — an electronic archive of Mayo Clinic-vetted knowledge containing evidence-based protocols, order sets, alerts and care process models

It is alarming to see more than a two-fold variation in health care quality across the country.