Do you know the 10 essential health benefits every insurance plan must provide?
The Affordable Care Act requires certain health care services to come with all health insurance plans. These services are known as the ten essential benefits.
Ambulatory patient services (a.k.a. outpatient care that you can receive without being admitted to a hospital)
Hospitalization for surgery, overnight stays, and other conditions
Pregnancy, maternity, and newborn care
Mental health and substance use disorder services
Rehabilitative and habilitative services and devices (a.k.a. treatment and devices that help people gain or recover mental and physical skills after an injury, disability, or onset of a chronic condition)
Preventive and wellness services, as well as chronic disease management
Pediatric services, including dental and vision coverage for children
These listed services may vary by state. Always check with your healthcare provider to see exactly what your plan covers. State, federal, and private exchanges will show you exactly which services each plan covers before you apply.
Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance.
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