According to the Affordable Care Act, most insurance plans have to cover ten essential health benefits. The insurance can cover prescription drugs, pregnancy care, hospital services and childbirth. Keep in mind that many self-insured plans have adopted the essential health benefits and share the cost with their employees. How much coverage the insurance can provide depends upon the benchmark plan of every state. If you want to get coverage during the financial and health crisis, then you should contact the insurance agent in search of the cheapest health insurance in Oklahoma.
The 10 Essential Health Benefits
1.Pediatric Services
It can cover well-child visits, vision care, vaccinations, dental care and immunizations. Children under 19 can also get vision and dental care. This service includes two routine dental exams per year and one eye exam annually.
2.Prescription Drugs
The federal government has categorized the drugs which are approved. The insurance must cover one medication from each category.
3.Emergency Services
It will cover the cost of emergency services when you need the treatment as soon as possible. If the hospital is out of network, then you do not have to give a penalty.
4.Laboratory Services
This service includes a few preventive screenings, diagnoses and gauging effectiveness.
5.Hospitalization
The treatments you receive while staying in the hospital. The cost may change if you have to stay in the hospital more.
6.Maternity, Pregnancy and Newborn Care
You will get the services before, during and after childbirth.
7.Mental Health and Substance Use Disorder Services
Behavioral health treatment includes psychotherapy or counseling.
8.Preventive and Wellness Services and Chronic Disease Management
You can get various advantages under this service such as colorectal cancer screening, Type 2 diabetes screenings, and diet counseling and immunization vaccines.
9.Rehabilitative and Habilitative Services and Devices
If you are suffering from a chronic condition, any type of disability or injury, then this service will help you in that case. You can get various services including occupational therapy, speech therapy and physical therapy.
10.Ambulatory Patient Services
You do not have to be admitted to the hospital in order to get outpatient care.
The Other Factors to Consider
Keep in mind that there is no guarantee the health insurance policy can cover any service within the 10 categories. You can get only one prescription from every categorized benefit under this coverage. The benefits are designed in such a way so that you can get advantages from individual and small-group health insurance plans.
What to Do Next?
If you want to get these coverages at a reasonable price, then contact Oklahoma Health Options for getting the cheapest health insurance in Oklahoma.
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