Most health insurance plans cover certain specific care and services when you use an in-network provider. For example:
- Doctor’s office visits and other care received without being admitted to the hospital
- Emergency services and care
- Hospital stays and care
- Health care for women during pregnancy and newborns (maternity care)
- Care and services for children, including dental and vision care
- Prescription medicines
- Lab tests and services
- Preventive and wellness care, including screenings and shots
- Treatment for behavioral and mental health conditions
- Care and services, including certain devices, to help recover from an injury or illness (rehabilitative services)
- Care and services, including certain devices, that help someone keep, learn or develop skills they need for daily living (habilitative services)
Is there a cost for essential health care benefits?
In short, all essential health care services listed above are covered under every qualifying plan, but different plans cover them in different ways. You can learn more here.