What Does a Marketplace Healthcare Plan Cover?

What Does a Marketplace Healthcare Plan Cover?

All Marketplace plans cover the same set of essential health benefits, preventive care, and pre-existing conditions. You can enroll in or renew a plan for 2019 now, so you’ll continue to have access to these benefits.

Essential Health Benefits

  • Essential health benefits are a set of 10 categories of services that health insurance plans must cover. This includes doctor’s visits, inpatient and outpatient hospital care, prescription drugs, pregnancy and childbirth, mental health, and more.
  • Plans must offer birth control and breastfeeding coverage.
  • Plans may offer more benefits, but these are the minimum requirements.

Preventive Care

  • Most health plans must cover a set of preventive services for free — like shots and screening tests.
  • These services are used to prevent illnesses, disease, and other health problems, or to detect illness at an early stage when treatment is likely to work best.
  • These services are free only when delivered by a doctor or other provider in your plan’s network.

Coverage for Pre-Existing Conditions

  • All Marketplace plans must cover treatment for pre-existing medical conditions, like asthma, diabetes, or cancer.
  • Marketplace plans can’t deny you coverage or raise your rates due to your health.
  • Pregnancy is also covered from the day your plan starts.

For more questions about marketplace coverage and healthcare open enrollment, call Bell & Associates at (662) 260-4635 or request a quote from us online.

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