PPACA Essential Benefits…What are they?
Essential benefits are those benefits for which the health insurance companies are NOT allowed to impose any lifetime OR annual limits. This only applies to health insurance plans issued on or after September 23, 2010. The following list is neither all inclusive nor is there any Interim Final Rule specifically defining the Essential Health Benefits.So it could change again.
PPACA Essential Benefits:
- Hospitalization
- Emergency Services
- Preventative and Wellness Services
- Prescription Drugs
- Lab Services
- Mental Health
- Rehabilitative and Habilitative Services and Devices
How will this affect you? Your current health plan should be removing lifetime and annual limits on in and out of network services for the following services:
- Allergies
- Urgent Care
- Ambulance Services
- Transplant Services
- Substance Use Disorders
- Skilled Nursing
- Diabetic Supplies
- Hospitalization
- Diagnostics – Labs, Xrays, CT Scans, MRI’s
- Mental Health Services
- Outpatient Services
- Prescription drugs
- Preventative Care
Get some health insurance quotes and side by side comparisons to find the plans that fit you best.