Fact Checked

The Essential Healthcare Benefits Required By Obamacare

The Essential Healthcare Benefits Required By ObamacareWith the passage of the Affordable Care Act in March of 2010, all healthcare insurance providers must now cover specific services more commonly referred to as the 10 Essential Health Benefits categories. Prior to the passage of the law, fewer than 2% of all the existing healthcare plans actually covered all ten. The following is a list of those 10 categories that every healthcare insurance plan must cover:

  1. Behavioral and mental health treatment
  2. Chronic disease management as well as preventative and wellness care
  3. Devices and services that assist individuals with chronic conditions, disabilities, and injuries
  4. ER services
  5. Hospitalization
  6. Lab tests
  7. Maternity and newborn care
  8. Outpatient care
  9. Pediatric care
  10. Prescription medications

 

Individuals should review their current healthcare plans and compare them to see if the above 10 Essential Health Benefits are covered or not. However, there are concerns regarding those plans that were established in 2010 or earlier as those plans may be grandfathered in and all of the required 10 benefits may not be covered.

It is possible to find a more cost-effective healthcare plan by visiting the government’s or your state’s healthcare exchanges. Be sure that you check to see if your state established an exchange. As of this year, only 19 states have applied for and received federal approval for establishing a healthcare exchange. Unfortunately, according to the Pew Research Center, most uninsured Americans currently live in those states that will not be establishing some form of healthcare exchange.

 

About the USA Rx Pharmacy Discount Card

Where prescription prices are concerned (point #10 above), there is help in the form of the USA Rx pharmacy discount card. This card is provided FREE of charge to anyone who wants it. For those individuals who don’t have healthcare insurance or who do but their prescriptions are not covered, this savings card is invaluable.

Cardholders can receive up to a 75% discount on their medications at over 60,000 pharmacies nationwide. Please call our toll-free number 888-277-3911 to speak with a representative today or you can e-mail us at [email protected] if you prefer. Additional information is also available at the USA Rx website.