1 If you have Health Insurance, you're probably all too familiar with what your plan won't cover. The list of expenses denied when you try to file a claim can seem endless. It's easy to wonder what actually is covered.

This February, Americans got more clarity about what Health Plans must cover starting in January 2014, when the U.S. Department of Health and Human Services (HHS) published its list of ten "essential health benefits" under the Affordable Care Act (ACA). These categories apply to both individual and small employer insurance, as well as new plans under Medicaid.

Here are the mandatory categories of treatment and care:
  1. Outpatient medical care.
  2. Emergency care.
  3. Hospitalization.
  4. Maternity and Newborn care.
  5. Mental Health and Substance Use Disorder services.
  6. Prescription Drugs.
  7. Rehabilitation Services and Devices.
  8. Lab Tests.
  9. Preventative and Wellness services, and Chronic Disease Management.
  10. Pediatric Services, including Dental and Vision care.
In response to the release of the new standards, American Association of Health Insurance Plans spokesperson Robert Zirkelbach noted, "The minimum essential health benefits standard will still require many individuals and small businesses to purchase coverage that's more comprehensive and more expensive than they choose to purchase today."

This is all the more reason for people planning to buy coverage under the ACA to be well informed when the State Health Insurance exchanges open on October 1.

HHS offers an enrollment checklist for individuals, families, and small businesses that includes questions to ask about Health Plans, a primer on coverage basics, and guidelines for budgeting.

As always, our agency's specialists stand ready to offer their advice to help you select the best value for your Health Insurance dollar. Just give us a call.
Need insurance for You, Your Family or Your Business?
We can match you to a qualified, local insurance expert!
Further Reading
Just as one might use a CPA to prepare their income taxes or an attorney to help them with their estate planning, many choose to use an insurance agency to write their insurance policies. This choice is mainly made because a person feels they need pr...
Your business insurance value has no relation to your policy premium or your policy premiums, the value of your insurance portfolio related directly to the risks you insure against. If you are not an insurance expert, it is important for you to meet ...
You already know that your home insurance policy covers necessary repairs after storms and replaces stolen valuables. Did you know it also covers seven unique and strange things? 1. Spoiled Food When the power goes out and ruins the food in yo...
Did you get your annual flu shot? Flu season might be almost over, but it's still a good idea to think about updating all your immunizations that protect you and others against life-threatening illnesses and diseases. Find out more details about the ...
A general contractor builds a new home. The GC hires a subcontractor to install certain components. After the home’s completion, those components turn out to be defective. Not only that, but their defects begin to affect other parts of the building. ...