BASIC HEALTH/UNDER 65

All individual health plans must cover a standard set of 10 essential health benefits:

• Outpatient care, including doctor’s visits
• Emergency room visits
• Hospitalization
• Pregnancy and maternity care
• Mental health and substance abuse treatment
• Prescription drugs
• Services and devices for recovery after an injury or due to a disability or chronic condition
• Lab tests
• Preventive services, including health screenings, immunizations and birth control. You pay nothing out of pocket for preventive care when you see health care providers in a health plan's network.
• Pediatric services, including dental and vision care for kids.

These plans are set as:
FFS (Fee-for- Service)
HMO (Health Maintenance Organization)
PPO ( Preferred Provider Organization)
POS ( Point of Service)
HSA ( Health Savings Account)

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*Since each insurance option differs in cost and benefits, it’s important to discuss your unique needs with an insurance expert who can keep you, your spouse, and your children covered under the right plan at a price you can afford.