Choosing an Affordable Care ACT health insurance plan is an important decision, but enrollment options can be confusing. FACT has certified counselors trained to provide health insurance information and assistance to chose among plans available to people applying for coverage.
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What Does Health Insurance Cover?
Health insurance plans must cover core benefits, called essential health benefits, including:
Ambulatory service, like visits to your doctor's office.
Emergency Services.Hospitalizations, usually round-the-clock care for people in the hospital.
Maternity and newborn care for pregnant women, new moms, and their babies. These services include breastfeeding pumps, well-baby visits, and gestational diabetes screening to help keep moms and babies healthy.
Mental health and substance abuse services, including counseling to treat depression and alcohol abuse.
Rehabilitation and habilitative services. Rehabilitative services may include physical therapy, occupational therapy, or walkers to aid in recovery following an illness or injury. Habilitative services include things like hearing aids that allow people to keep or get skills important for daily living.
Laboratory services like blood test your doctor may use to treat you. Prevention services and chronic disease management to help prevent and control conditions.
Some plans may also include more benefits than what they are required by law.