Essential Health Benefits

If your health insurance plan is a non-grandfathered plan, beginning in 2014 the Affordable Care Act (ACA) requires that plans cover these benefits:

  • Outpatient care
  • Emergency services
  • Hospitalization
  • Maternity and newborn care (if you cover your baby after he or she is born)
  • Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
  • Prescription drugs
  • Rehabilitative and habilitation services (services that help a person keep, learn or improve skills and functioning)
  • Laboratory services
  • Preventive and wellness and chronic disease management
  • Pediatric services