What's always covered in my health insurance plan?

Under the Affordable Care Act, individual plans must cover preventative care--which includes your annual check-ups, preventative tests, and immunizations--at zero out-of-pocket cost to you. 

Additionally, all individual plans must cover the following essential benefits:  

  • Ambulatory patient services (outpatient care)

  • Emergency services (trips to the ER)

  • Hospitalization (inpatient care)

  • Maternity and newborn care

  • Mental health services and addiction treatment

  • Prescription drugs

  • Rehabilitative services and devices

  • Laboratory services

  • Wellness services and chronic disease treatment

  • Pediatric services

While these benefits are not free, individual plans must provide coverage for them. 

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