Open enrollment for Affordable Care Act (ACA) health insurance is happening from now until December 15, 2021. This means that individuals, small businesses and groups can apply for Obamacare or change their current plan. When considering health insurance, it’s important to know that the ACA has mandated 10 services which are considered essential on most insurance plans.
These are the 10 essential health benefits and a little bit about what they mean:
- Prescription Medications
The government has categorized approved prescription drugs. One from each category must be covered.
- Pediatric Services
Well-child visits, vaccinations, dental and vision care for children.
- Preventive/Wellness and Chronic Disease Management
This essential benefit includes services such as diet counseling, colorectal cancer screening, Type 2 diabetes screenings, and immunizations.
- Emergency Services
Any Emergency Room visit where care is needed immediately for a life saving reason. There is also no penalty for going “out of network.”
Inpatient care treatment in a hospital. (Some plans limit coverage for an extended stay.)
- Mental Health and Addiction Services
Support, counseling or psychotherapy to treat behavioral health.
- Pregnancy, Maternity & Postpartum Care
Services that provide care for mother and baby before, during, and shortly after giving birth.
- Ambulatory Patient Services
Outpatient care you receive without being admitted to the hospital. An example of this is a blood test.
- Laboratory Services
Testing to diagnose and issue as well as some preventive screenings.
- Rehabilitative and Habilitative Services and Devices
These services help you recover if you are injured, have a disability, or have a chronic condition. Examples of services which may be included are: physical therapy, occupational therapy, or speech therapy.
For more information on the 10 essential services and for help with your own health insurance, our team is here anytime.