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In response to
"all plans (exchange and otherwise) have to offer the same coverage of services. it's just a question of how much out of pocket/deductible you want "
by
charlie
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Essential Health Benefits
Posted by
charlie (aka chris)
Jul 8 '13, 20:53
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What does health insurance cover?
Today, there is a wide range of health insurance policies offering different benefits and access to different doctors, hospitals or other providers. Starting in 2014, all health insurance plans will share some common characteristics. The federal Affordable Care Act now requires that all health plans offered in the individual and small group markets must provide a comprehensive package of items and services, known as Essential Health Benefits. These benefits fit into the following 10 categories:
Ambulatory patient services
Emergency services
Hospitalization
Maternity and newborn care
Mental health and substance use disorder services, including behavioral health treatment
Prescription drugs
Rehabilitative and habilitative services and devices
Laboratory services
Preventive and wellness services and chronic disease management
Pediatric services, including dental and vision care
The requirement for insurance plans to offer Essential Health Benefits is just one of many changes coming in 2014.
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