One of the things that many do not realize is how the Affordable Care Act has controlled health insurance companies. Instead of varying coverages across the board, making it complicated for the public to know what coverage they are purchasing, now health insurance plans must cover 10 categories of service, although some plans do have more. For a health insurance plan to be offered in the Affordable Care Act marketplace, it must cover the following:
- Emergency services
- Hospitalization
- Prescription medication
- Pregnancy (including maternity and newborn care)
- Outpatient care
- Rehabilitation
- Laboratory services
- Preventative services (wellness and chronic disease management)
- Pediatric services (including oral and vision care)
- Mental health (including substance use disorder)
If you would like to learn more about the Affordable Care Act and how it affects your health insurance decisions, reach out to us at Elite Benefits Group in Monroe, North Carolina. We can help you understand what you qualify for under the act and help you have access to health insurance that you can afford. Call today to learn more.