December 6, 2023

Printed on October 11, 2018

All Market plans cowl the identical set of important well being advantages, preventive care, and pre-existing situations. Beginning November 1 you may 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?

  • Important well being advantages are a set of 10 classes of providers — together with physician’s visits, inpatient and outpatient hospital care, prescribed drugs, being pregnant and childbirth, psychological well being, and extra — that medical insurance plans should cowl.
  • Plans should additionally supply contraception and breastfeeding protection.
  • These are the minimal necessities for all Market plans. Plans might supply extra advantages. You’ll see precisely what’s coated while you examine plans.

What’s preventive care?

  • Most well being plans should cowl a set of preventive providers — like photographs and screening assessments — without charge 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 health care provider or different supplier in your plan’s community.

What’s protection for pre-existing situations?

  • All Market plans should cowl therapy for pre-existing medical situations, like bronchial asthma, diabetes, or most cancers.
  • Market plans can’t deny you protection or increase your charges based mostly solely in your well being.
  • Being pregnant can be coated from the day your plan begins.