In 2010, President Barack Obama signed into law one of the most significant changes to America's healthcare system. The Patient Protection and Affordable Care Act (PPACA), commonly referred to as the Affordable Care Act (ACA) or Obamacare, made health insurance affordable to every American. Along with making it affordable, it also required that all health insurance companies in Missouri and across the country cover important health benefits. Here are the ten essential health benefits explained.
- Preventive and wellness services
Medical services that help prevent diseases and health emergencies. Services include well-woman visits, contraception, immunizations, screenings, etc.
- Outpatient services
Medical treatment that doesn’t require staying overnight in a facility. Most plans for affordable health insurance in Missouri already cover this.
A hospital stay can range anywhere between $2,000 to $20,000. Obviously, not everyone can drop this much money easily, which is why the ACA made insurers cover a decent amount of the bill, but not all.
- Emergency Services
Most plans cover emergency room visits.
- Maternity and newborn care
Health insurance companies in Missouri and the country must cover childbirth and neonatal care at no extra cost.
- Prescription drugs
Individual and group plans will cover at least one drug in every category in the U.S. Pharmacopeia.
- Laboratory services
If a doctor does lab tests on a patient for diagnostic purposes, health insurance in Missouri must cover the entire cost.
- Habilitative and rehabilitative services
If you become injured or sick and need rehabilitation services to help you recover, many plans will cover it. The ACA also requires coverage for habilitative services to treat chronic diseases like multiple sclerosis.
Pediatric care includes dental and vision for children under 19.
- Mental and behavioral health
All plans must cover counseling, mental and behavioral health services, and substance abuse treatment.
As you can see, there are many beneficial reasons for having affordable health insurance in Missouri. If you get injured or seriously ill and aren’t covered, you risk going into medical debt. There are many options out there for health insurance in Missouri that can meet you where you’re at financially. If you’ve been searching around for health insurance quotes in Missouri, you can get one on our website. One of our advisors would be happy to help you find coverage.