What Is Covered by This Insurance?

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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