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Your guide to understanding the benefits of every health insurance plan.
There are ten categories of services that all health insurance plans must cover, as dictated by the Affordable Care Act. These ten categories are, as outlined by Healthcare.gov:
The specific services offered under these categories may vary from state to state, but these categories represent the minimum that all qualifying health insurance plans are required to cover. All health insurance plans, regardless of whether they are sold on the health insurance exchanges or off-exchange, must cover these ten categories. Plans may choose to cover additional services. State, federal, and private exchanges will show you which exact services each plan covers before you apply.
All health insurance plans must also cover birth control and breastfeeding equipment and counseling. Health insurance plans are not required to cover dental or vision services for adults.
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Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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