What are 3 essential health benefits that an insurance plan must include now under Obamacare?
Asked by: Rachael Predovic | Last update: January 28, 2024Score: 4.2/5 (11 votes)
- Emergency services.
- Hospitalization (surgeries and inpatient care)
- Laboratory services.
- Mental health and substance use disorder services (including behavioral health treatment such as counseling and psychotherapy)
- Outpatient care.
What are essential health benefits under the Affordable Care Act?
A set of 10 categories of services health insurance plans must cover under the Affordable Care Act. These include doctors' services, inpatient and outpatient hospital care, prescription drug coverage, pregnancy and childbirth, mental health services, and more.
What are the three things covered by health insurance?
Most health insurance in California covers a wide range of basic services, including (also known as Essential Health Benefits): Hospital care. Visits to a primary care doctor and specialists. Outpatient procedures, like surgery.
How many essential benefit categories are there in all health care plans under the Affordable Care Act quizlet?
The Affordable Care Act requires non-grandfathered health plans in the individual and small group markets to cover essential health benefits (EHB), which include items and services in the following ten benefit categories: (1) ambulatory patient services; (2) emergency services; (3) hospitalization; (4) maternity and ...
What are three things you should consider when deciding which health insurance plan is right for you?
Depending on your needs, you'll want to consider the monthly premiums, each plan's provider network and drug formulary, and expected out-of-pocket costs. These will all factor into determining which plan will best fit your needs and budget.
10 Essential Benefits of an Obamacare Health Insurance Plan | eHealthInsurance
What were the 3 primary factors which created the need for health insurance?
Thus, the coverage was, in reality, disability insurance rather than health insurance (Mayer and Mayer 1984). As detailed in subsequent sections, technological, social, and economic factors created a general need for health insurance.
What are 3 kinds of insurance you should have and what are their benefits?
Life insurance will help provide financially for your survivors. Health insurance protects you from catastrophic bills in case of a serious accident or illness. Long-term disability protects you from an unexpected loss of income. Auto insurance prevents you from bearing the financial burden of an expensive accident.
What are the four types of health care benefits?
- Health maintenance organizations (HMOs)
- Preferred provider organizations (PPOs)
- Exclusive provider organizations (EPOs)
- Point-of-service (POS) plans.
- High-deductible health plans (HDHPs), which may be linked to health savings accounts (HSAs)
How many categories are there in the Affordable Care Act?
Plans in the Marketplace are presented in 4 health plan categories: Bronze, Silver, Gold, and Platinum. (“Catastrophic” plans are also available to some people.) Health plan categories are based on how you and your plan split the costs of your health care. They have nothing to do with quality of care.
Which 3 populations do not have health care coverage even after the implementation of the Affordable Care Act?
Uninsured Working-Age Adults Disproportionately Low-Income, Latino, and Under Age 35.
What are examples of coverage that is often included in health insurance plans?
Covered services typically include regular office visits with your doctor, tests, urgent and emergency care, hospital stays, prescription drugs, medical equipment and more. In most cases, your doctor also needs to be on the list of doctors that take your insurance – this list is also called the insurance network.
What all things are usually not covered under health insurance policy?
Health insurance typically covers most doctor and hospital visits, prescription drugs, wellness care, and medical devices. Most health insurance will not cover elective or cosmetic procedures, beauty treatments, off-label drug use, or brand-new technologies.
What are the three costs associated with health care insurance quizlet?
Three main types of cost sharing are utilized in private health insurance: premium cost sharing, deductibles, and copayments.
What are 3 benefits of the Affordable Care Act?
Affordable Care Act (ACA) basics
Among other things, the ACA made it easier for many people to get coverage, removed annual and lifetime limits on essential health benefits and put in place requirements that individuals have medical coverage or pay a tax penalty.
What are two major benefits of the Affordable Care Act?
- Make affordable health insurance available to more people. ...
- Expand the Medicaid program to cover all adults with income below 138% of the FPL. ...
- Support innovative medical care delivery methods designed to lower the costs of health care generally.
What are three benefits of the Affordable Care Act quizlet?
- extending insurance coverage to the uninsured/underinsured.
- decreasing costs by improving efficiency.
- expanding prevention and wellness programs (PH measures)
- protecting against undue financial burdens on individuals as a result of healthcare expenditures.
- improving patient safety and quality of care.
What are the two main parts of the Affordable Care Act?
The law has 2 parts: the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act.
What are examples of the Affordable Care Act?
The ACA requires insurance plans to cover preventive care such as immunizations; preventive care for children; screening for certain adults for conditions such as high blood pressure, high cholesterol, diabetes, and cancer; and a public education campaign for oral health.
What is a protected category under the Affordable Care Act?
The Office for Civil Rights (OCR) enforces Section 1557 of the Affordable Care Act (Section 1557), which prohibits discrimination on the basis of race, color, national origin, age, disability, or sex (including pregnancy, sexual orientation, gender identity, and sex characteristics), in covered health programs or ...
What are the 10 categories of essential health benefits?
Outpatient care, emergency care, hospital stays, mental health coverage, prescription drugs, rehab services, lab services, free preventive care , maternity and newborn care, and pediatric care are all named essential health benefits.
What are the five 5 types of personal health care insurance?
- Preferred provider organization (PPO) plan.
- Health maintenance organization (HMO) plan.
- Point of service (POS) plan.
- Exclusive provider organization (EPO)
- Health savings account (HSA)-qualified plan.
- Indemnity plans.
How many are the types of benefits?
4 major categories of employee benefits
Traditionally, employee benefits included medical insurance, life insurance, retirement plans, and disability insurance. These were usually mandated. For instance, many countries require that employers provide some type of medical insurance.
What are the 5 benefits of insurance?
- Provides Protection.
- Provides Certainty.
- Risk Sharing.
- Value of Risk.
- Capital Generation.
- Economic Growth.
- Saving Habits.
What are the three most important types of insurance?
- Life Insurance. Life insurance provides for your family or some other named beneficiaries on your death. ...
- Health Insurance. ...
- Disability Insurance. ...
- Homeowner's Insurance. ...
- Automobile Insurance. ...
- Other Liability Insurance.
What are 3 common types of insurance?
The most common types of insurance coverage include auto insurance, life insurance and homeowners insurance. Insurance coverage helps consumers recover financially from unexpected events, such as car accidents or the loss of an income-producing adult supporting a family.