10 Essential Health Benefits of the Affordable Care Act

Under the Adorable Care Act, all plans must cover 10 essential health benefits. Some specific services may vary based on your state’s specific requirements.

Minimum Essential Coverage

  1. Ambulatory patient services: These are outpatient health care services that you get without being admitted into a hospital
  2. Emergency Services: this includes visit to the emergency room
  3. Hospitalization: treatment you receive as a part of inpatient care- such as surgery and other care
  4. Laboratory services: these include services to diagnose, gauge effectiveness of treatments, and some preventative screening
  5. Mental health and substance use disorder services: this includes counseling and psychotherapy
  6. Pediatric services: this includes oral and vision care for children. Adult dental and vision are not considered essential benefits
  7. Prescription drugs: including brand-name drugs and specialty drugs. Generic-only coverage was eliminated by the ACA. 
  8. Pregnancy, maternity, and newborn care: including both and before and after birth
  9. Preventative and wellness services: this includes services such as physicals, wellness visits, and chronic disease management
  10. Rehabilitative and habilitative services: these services are those that help yu recover if you are disabled, injured, or have a chronic condition. Examples include physical therapy or chiropractic visits. 

While all plans must cover these benefits in some way, keep in mind that plans can choose how they cover these benefits.You can find plans that offer the mental health coverage you need through an agent at FindInsurance.com

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