Get information on essential health benefits, pre-existing conditions, and preventive care
Printed on September 12, 2019
All Market plans cowl important well being advantages, pre-existing circumstances, and preventive care. That is true for all plan classes (all “steel ranges,” together with Catastrophic plans) and all plan varieties (like HMO and PPO). Beginning November 1, 2019, you’ll be able to enroll in or renew a plan for 2020, so you’ll be able to proceed to get these advantages.
What are important well being advantages?
- Important well being advantages cowl physician’s visits, prescriptions, hospitalizations, being pregnant, and extra. See the full list.
- These advantages are coated by all Market plans. Particular providers coated in every broad profit class might range primarily based in your state’s necessities.
Is therapy for my pre-existing situation coated?
- All Market plans should cowl therapy for pre-existing medical conditions. This implies no insurance coverage plan can reject you, cost you extra, or refuse to pay for important well being advantages for any situation you had earlier than your protection began.
- When you’re pregnant while you apply, an insurance coverage plan can’t reject you or cost you extra due to your being pregnant.
Are preventive well being providers included with Market protection?
- Market plans cowl a set of preventive providers, like pictures and screening exams, that are free to you when delivered by a physician in your plan’s community.
- There are 3 units of free preventive providers for adults, ladies, and kids. Check out the lists here.
Word: Well being plans can provide different advantages, like imaginative and prescient, dental, or medical administration applications for a particular illness or situation. You’ll see precisely what every plan presents while you evaluate on HealthCare.gov.
