All plans in the marketplace have to offer what’s called “essential health benefits.” This is a basic package covering 10 different categories:
- Doctor visits;
- Hospital visits;
- Prescription drugs;
- Lab tests;
- Emergency room visits;
- Care when you are pregnant and when you have your baby;
- Care for children;
- Preventive services that help you stay healthy, like shots and screenings;
- Mental health care like counseling; and
- Treatments that help you recover from injuries.
Some plans might cover more than that, but that’s the minimum. You can also find dental coverage in the marketplace, either included in a plan you buy, or separately.
Marketplace plans also must cover what are called “preexisting health conditions.” This means even if you are already sick or pregnant
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