The Affordable Care Act (ACA) requires every health coverage plan in the United States – both inside and outside the government’s Health Insurance Marketplace – to cover the following essential health benefits:
- Ambulatory patient services
- Emergency services
- Hospitalization
- Pre and post-natal care
- Mental health and substance use disorder services, including behavioral health treatment
- Prescription drugs
- Rehabilitative and habilitative services and devices (services and devices that help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills.)
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services (including dental and vision care)
Whatever your financial budget is, you can count on your plan to cover these services. For more information about minimum coverage requirements, please give us a call! We can explain these essential health benefits in more detail and help you find a plan that offers any additional benefits you’re looking for.