by Chris Huckins Google+ Email 


21 May 2013

10 Essential Health Benefits to Obamacare

Posted in Latest News

10 Essential Health Benefits to Obamacare

When buying a car, some benefits are essential:

  1. Steering wheel to control.
  2. Horn to honk.
  3. Auto Insurance to protect.
  4. You get the idea....

    Unfortunately, not everything we buy, like health insurance, comes with the essential coverage. That changes with Obamacare (Affordable Care Act), the landmark law that improves healthcare in America by requiring its plan have 10 essential benefits at the minimum. These plans will be offered by each state through Exchanges (marketplaces), where consumers can find affordable, quality healthcare and subsidies (tax credits) to help lower costs.

Healthcare reform plans will be available on October 1st, 2013. Read all about them here.

    This Thursday Covered California, our state's Exchange, will finally unveil these plans to the public. Until then, we have a sneak peak at what 10 Essential Health Benefits (EHBs) they'll require to have:

  1. Ambulatory patient services (Remember the woman in Michael Moore's Sicko whose insurance didn't cover her ambulance ride because she was unconscious and couldn't sign off the paperwork? No more of that.)
  2. Emergency Healthcare Services
  3. Hospitalization (Sadly, lawmakers had to point out this requirement isn't offered by health insurance plans already.)
  4. Maternity/Newborn Care.
  5. Mental Health/Substance Abuse Services/Behavioral Health Treatment
  6. Prescription Drugs.
  7. Rehabilitative/Habilitative (California recently passed a law that requires habilitative services be covered under the same terms and conditions as rehabilitative).
  8. Laboratory Services.
  9. Preventive/Wellness Services/Chronic Disease Management
  10. Pediatric Services/Oral/Vision Care.

    Everyone in California, especially Los Angeles, Fresno, and Riverside - where Covered California has already begun outreach and town hall meetings, should be on the look out for new details of Covered California's health insurance plans. If the opening of Covered California and all other Exchanges on October 1st, 2013 is the Superbowl of health insurance, this week's EHBs announcement is the start of draft season.

    For more information on Obamacare or to see if you quality for subsidies, call 818.251.5000! Click below for a free health insurance quote!