In many ways, health insurance has become normalized. Before you wake up horrible memories of Scantrons and filling in test bubbles, just hear us.
A 30-year-old male does not have the same health insurance benefits as a 40 year old woman with a child on the way. It is a fact. However, under the under the Affordable Care Act (ACA), their insurance plans must cover the same 10 essential health benefits. It is a new standard due to the reform of health care, and the change could bring you new benefits and save money.
Here are 10 services to be covered by some health insurance plans from 2014.
1. Outpatient
First, care ambulatory refers to medical services that do not require overnight. Outpaitent care is conducted under qualified medical centers, not usually in hospitals. Leaving aside a night already astronomically reduces the cost of your medical services. A one night stay in an American hospital can cost more than $ 4,000 on average. Important Outpatient services include: Wellness & Prevention, diagnosis, treatment and rehabilitation. All services provided occur in one place and the staff is very qualified. This type of care is now covered by the ACA and can save you time and money.
2. Emergency Care
No one plans to get hurt, but it happens. You do not enter into a game thinking basketball: "I really want to break my leg this game." The last thing you want to worry about in an emergency is if your insurance will cover. With an insurance plan major medical illness, you can have peace of mind. The gas can be expensive, but ambulance bills can be beautiful. At 15 minutes, nine mile ambulance ride could cost you more than $ 1,700. In an emergency, the ACA includes costs for ambulance rides under the cover. Life is unpredictable; the safest person could end up in the hospital the next day to circumstances beyond their control.
3. Hospitalization
Just by preaching you how expensive a night in the hospital can be. The coverage under the ACA is different because the limits in annual dollars on essential health insurance benefits will not be allowed. Some emergency care procedures do not require a hospital stay, but others may require a night in the intensive care unit. The Affordable Care Act has you covered anyway.
4. Cover Mental Health
Admit it- you cited "mental health day" as a reason you did not come into work. There is a some control involved in mental health, but those affected by mental illness know how care can be. We all have stressors in life, but unexpected events such as a death in the family, can make us feel hopeless. everyone can be 
5. prescription drugs
Almost everyone has a prescription drug at some point in their lives. prescription drugs treat short-term and long-term illnesses and help avoid a larger case of a disease once easily treatable. With insurance, prescription drugs are covered.
6. Rehab Services
We have already established that the coverage of emergency services is vital. Sometimes our emergencies are resolved, but have lasting effects. Retrieving a car accident can include not only a night in the hospital, but months of physical therapy. Most wounds heal with time and effort; 2014 major medical insurance plans are required to cover the rehabilitation service, giving you the freedom to realize your full again wellness.
7. Laboratory Services
laboratory services are a necessity for proper diagnosis. Identify the exact cause of a disease can be obtained by laboratory tests. The treatment of these exams can come with significant costs because they involve many complex steps. Only qualified professionals can drive. ACA required that the costs associated with laboratory services are covered.
8. Free Preventive Care
Preventive medicine is the best way to prevent serious health problems. routine screenings can save you the stress of a surprise to disease and can reduce the cost of your medical bills drastically. Monitoring your health is essential to your well-being. You never know you are at risk unless you take the steps to check the signs. Take advantage of preventive care services covered to help you find the signs.
9. Maternity and newborn care
It may seem maternity and care of the newborn can affect men, but it is not the case. It affects women in their lives and affects their children. A baby is fragile and it needs proper care to be healthy. It is the main objective of a parent to provide for their children. They need the support of their most parents when they are new to this world. reform of health care is to make maternity and care of the newborn more accessible.
10. Pediatric Care (including Vision and dental)
The latter provision Essential health goes along with the previous component, but applies after your child has grown out of the scene of the newborn. Some health insurance plans in the past may have covered the medical expenses but left the cost of glasses or cavities filled parents. The ACA makes pediatric care essential to all skill levels. This is to protect the welfare of your child and parents can save hundreds, even thousands of dollars.
Combine all these services and you can see how they are important for maintaining a healthy lifestyle. Your health is always the most important thing in your life, but require these components in a health care plan also allows you to save money. The benefits that may seem inapplicable to your life could end up saving.
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