Published on October 11, 2018
All Marketplace plans cowl the identical set of important well being advantages, preventive care, and pre-existing circumstances. Starting November 1 you’ll be able to enroll in or renew a plan for 2019, so that you’ll proceed to have entry to those advantages.
What are important well being advantages?
- Essential well being advantages are a set of 10 classes of providers — together with physician’s visits, inpatient and outpatient hospital care, pharmaceuticals, being pregnant and childbirth, psychological well being, and extra — that medical health insurance plans should cowl.
- Plans should additionally supply contraception and breastfeeding protection.
- These are the minimal necessities for all Marketplace plans. Plans might supply extra advantages. You’ll see precisely what’s coated while you evaluate plans.
What’s preventive care?
- Most well being plans should cowl a set of preventive providers — like pictures and screening checks — for gratis to you.
- Preventive providers are used to stop diseases, illness, and different well being issues, or to detect sickness at an early stage when therapy is prone to work greatest.
- These providers are free solely when delivered by a physician or different supplier in your plan’s community.
What’s protection for pre-existing circumstances?
- All Marketplace plans should cowl therapy for pre-existing medical circumstances, like bronchial asthma, diabetes, or most cancers.
- Marketplace plans can’t deny you protection or elevate your charges primarily based solely in your well being.
- Pregnancy can also be coated from the day your plan begins.