- About Health Care Law
- Our Position
- Key Provisions
- Frequently Asked Questions
- For Individuals and Members
- For Businesses
- For Providers
- Glossary of Key Terms
Frequently Asked QuestionsEssential health benefits
1. Will the health care law change the basic benefits I now receive?
If you have no health insurance or limited coverage, the health care law will give you access to a broader array of services. In 2014, the law requires that health plans for small employers (2-50 employees) and individuals contain a set of 10 core benefits that is generally higher than small employers and individuals currently purchase. These benefits, which are called essential health benefits, include:
- Preventive, wellness and disease management services
- Emergency care
- Ambulatory services
- Maternity and newborn services
- Pediatric services, including dental and vision
- Prescription drugs
- Laboratory services
- Mental health and substance abuse services, including behavioral health treatment
- Rehabilitation and habilitative services
There also are no annual or lifetime limits on the amount health plans spend on these services starting in 2014.
2. Does the law affect preventive health services?
Insurers will cover 100 percent of the cost of many preventive services, such as wellness visits, immunizations, screenings for cancer, and other services. That means you will not pay any deductible, copayments, or coinsurance for many services that can help you stay healthy.