Essential Benefits and Health Reform
New private insurance plans must cover a core group of benefits, called essential health benefits. These services are similar to those in a typical employer plan -- and in some cases better.
10 Benefits New Plans Should Cover
2. Care for children. This includes:
3. Doctor visits
4. Emergency care
5. Hospital care
6. Lab tests
7. Medicines your doctor prescribes
8. Physical, occupational, and speech-language therapy. These services help you get back on your feet after a serious injury, surgery, an event like a stroke or long-term health problem. This care can also help you overcome a disability, like a speech problem. Coverage includes:
- Therapist visits
- Tools, called durable medical equipment, like braces or a wheelchair
10. Preventive care and treatment for chronic illness. This includes:
- Screenings for cancer, depression, obesity, and other illnesses
- Treatment for long-term conditions like diabetes and asthma
Note: Although all health plans must cover these services, the benefits can vary from one state to another.
Will Your Plan Cover Essential Benefits?
You will get these benefits if:
- You are buying individual or small group insurance, which is offered through a company that has fewer than 50 full-time employees.
- You are going to receive Medicaid for the first time.
Your health plan may not cover the benefits if:
- You have a "grandfathered" plan. This is a plan that was already in place before the Affordable Care Act was signed into law on March 23, 2010 and has made few changes since then.
- Your plan is self-insured. Large employers commonly have self-insured health benefits. That means an employer contracts with an insurance company to administer the plan, but the company pays medical claims out of its own funds.
Limits on Essential Benefits
Which treatments for back pain are covered under the essential benefits? How many times can you see a physical therapist? There will still be some limits on what your insurance company will pay. Here are rough guides to those limits: