What Do Affordable Health Insurance Plans Typically Include?

Health insurance shouldn’t just cover catastrophic events. You need it even for day-to-day medical events like prescriptions, checkups, and more. The Affordable Care Act, passed in 2010, labeled ten health care services as essential benefits that all affordable plans should have:

  • Preventative services and chronic disease management coverage
  • Pediatric care (For children, this includes oral and vision care.)
  • Pregnancy, maternity, and newborn care 
  • Prescription drug coverage
  • Labwork coverage
  • Coverage for emergency services
  • Hospitalization coverage
  • Outpatient care (also called ambulatory patient services)
  • Mental health services and substance use disorder services
  • Coverage for rehabilitative and habilitative services and devices (services to help people recover after injuries or to manage chronic conditions

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