Major Medical Health Insurance Policy that conforms to the regulations set forth in the Affordable Care Act (Obamacare).
These types of plans are required to be ACA-Compliant with ACA's individual mandates. All plans must cover ten essential health benefits:
- Ambulatory patient services (outpatient care you get without being admitted to a hospital)
- Emergency services
- Hospitalization (like surgery and overnight stays)
- Pregnancy, maternity, and newborn care (both before and after birth)
- Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
- Prescription drugs
- Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including oral and vision care (but adult dental and vision coverage aren't essential health benefits)
A Major Medical Health Insurance plan that has these base benefits are offered through private health insurance participating ACA Companies.