Obamacare 101: Essential Health Benefits
In three weeks, the Texas health insurance marketplace will be open for business. There will be a variety of plans to choose from – the basic bronze and even platinum – but all of them, and many private insurance plans too – will be required to cover certain benefits like checkups starting in 2014. As part of KERA’s series, “Obamacare 101,” we get the breakdown from Stacey Pogue of theCenter for Public Policy Priorities, an Austin-based nonprofit.
The KERA radio story
“Essential health benefits are a core set of services that cover 10 broad categories [see below], like hospitalization, doctors’ visits, and prescription drugs,” Pogue says. These benefits may still be subject to a copay or coinsurance, or you might have to meet your deductible first, Pogue says, “But you’re not going to find fine print later that says you aren’t covered when you’re in the hospital or for an emergency.”
Any plan offered in on the Texas health insurance marketplace must include a standard set of benefits across 10 categories. These are:
- Ambulatory patient services (outpatient care you get without being admitted to a hospital, like routine doctor’s office visits)
- Emergency services
- Maternity and newborn care
- Mental health and substance use disorder services, including behavioral health treatment
- Prescription drugs
- Rehabilitative and habilitative services and devices
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including vision care.
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