Essential Health Benefits

All insurance plans purchased from the ACA Marketplace must include the following Essential Health Benefits. These benefits include,

·         Emergency Services

·         Hospitalization

·         Laboratory tests

·         Maternity and Newborn care

·         Management of chronic diseases, such as diabetes

·         Mental health and substance-abuse treatment

·         Outpatient care

·         Pediatric services including dental and vision care

·         Preventative services such as immunizations, mammograms and colonoscopies

·         Rehabilitation services

 

There are other protections in the Affordable Care Act that benefit all of us. No one can be denied healthcare insurance because of pre-existing conditions; there can no longer be annual limits on the benefits you receive; there is a ban on lifetime limits; preventive care and annual check-ups are free.