Published on September 12, 2019
All Marketplace plans cowl important well being advantages, pre-existing circumstances, and preventive care. This is true for all plan classes (all “metal levels,” together with Catastrophic plans) and all plan sorts (like HMO and PPO). Starting November 1, 2019, you may enroll in or renew a plan for 2020, so you may proceed to get these advantages.
What are important well being advantages?
- Essential well being advantages cowl physician’s visits, prescriptions, hospitalizations, being pregnant, and extra. See the total checklist.
- These advantages are coated by all Marketplace plans. Specific providers coated in every broad profit class might range based mostly in your state’s necessities.
Is remedy for my pre-existing situation coated?
- All Marketplace plans should cowl remedy for pre-existing medical circumstances. This means no insurance coverage plan can reject you, cost you extra, or refuse to pay for important well being advantages for any situation you had earlier than your protection began.
- If you’re pregnant whenever you apply, an insurance coverage plan can’t reject you or cost you extra due to your being pregnant.
Are preventive well being providers included with Marketplace protection?
- Marketplace plans cowl a set of preventive providers, like photographs and screening exams, that are free to you when delivered by a physician in your plan’s community.
- There are 3 units of free preventive providers for adults, ladies, and youngsters. Check out the lists right here.
Note: Health plans can supply different advantages, like imaginative and prescient, dental, or medical administration applications for a selected illness or situation. You’ll see precisely what every plan provides whenever you evaluate on HealthCare.gov.