Comprehensive health insurance coverage offers a wide range of benefits that ensure individuals have access to essential healthcare services. Here are some key benefits of comprehensive coverage:
Essential Health Benefits: Comprehensive health insurance plans, including those offered in the Marketplace, cover ten essential health benefits mandated by the Affordable Care Act (ACA) These benefits include:
Ambulatory patient services (outpatient care)
Emergency services
Hospitalization (including surgeries and overnight stays)
Pregnancy, maternity, and newborn care
Mental health and substance use disorder services, including counseling and therapy
Prescription drugs
Rehabilitative and habilitative services and devices
Laboratory services
Preventive and wellness services, including chronic disease management
Pediatric services, including oral and vision care (adult dental and vision coverage may not be included as essential health benefits)
Coverage of Additional Benefits: In addition to the essential health benefits, comprehensive health insurance plans may also include additional benefits . These benefits can vary depending on the specific plan and insurer.
Preventive Care: Comprehensive coverage often includes preventive care services with 100% coverage. Preventive care helps individuals stay healthy by detecting potential health issues early and preventing the onset of chronic diseases .
Access to Specialists: Comprehensive health insurance plans typically provide access to a network of healthcare providers, including specialists. This ensures individuals can receive specialized care when needed.
Financial Protection: Comprehensive coverage helps protect individuals from high medical costs by covering a significant portion of healthcare expenses. This can include hospital stays, surgeries, prescription medications, and other necessary treatments.
Continuity of Coverage: Comprehensive health insurance plans provide continuous coverage, ensuring individuals have access to healthcare services even if they change jobs or experience other life events that may impact their insurance coverage.