What are Essential Health Benefits?
The ACA requires all new insurance plans to offer basic coverage within each care category in order to be considered comprehensive. These benefits include:
Preventive and wellness services
Chronic disease management
Ambulatory or outpatient services
Emergency services and hospitalizations
Laboratory services
Pregnancy, maternity and newborn care
Mental health and substance abuse treatment
Pediatric services, including pediatric dental and vision
Prescription drugs, including brand name and generic medications
Rehabilitative, rehabilitative services and medical devices
Although new plans must have a minimum amount of coverage in each of the Essential Health Benefits, the exact amount of coverage may vary depending on the actual plan you choose. You have options for additional coverage and financial reimbursement through supplemental plans if desired.
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