It depends on where the policy is underwritten. My guess is if you purchased the policy on the DC exchange, it's underwritten in DC and therefore DC laws and regulations would apply to the policy. It looks like plans underwritten in DC are required to cover what they consider "habilitative services" for children born with various conditions. You can read the code here: https://code.dccouncil.us/us/dc/council/code/titles/31/chapters/32A

We live in Virginia but my spouse's employer is a DC based business, so we bought insurance via the employer on the DC small business health exchange. We live in VA and services we seek are in VA. Which insurance requirements apply to our plan - DC or VA?

Wondering if anyone in this forum would know from experience?