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Spotlight on the ACA:
What's Covered by Your Insurance Plan? Defining the Essential Health Benefits
To ensure that health plans provide benefits to their enrollees that will meet their health care needs, the ACA requires plans to provide a set of "Essential Health Benefits" (EHBs). Individual and small group plans sold in the Exchange and outside of the Exchange must include these categories of benefits.
The ACA requires that Essential Health Benefits cover 10 categories -- for example, ambulatory patient services, maternity and newborn care, mental health and substance abuse services and habilitative care, pediatric dental and vision care -- but does not define the type of services or items that must be provided in each category.
Rhode Island is currently in the process of choosing one of the small group plans offered in our state as the benchmark plan which will define the services. By September 30, 2012 the state needs to submit its EHB plan to the federal government. To help guide this decision, the state has established a Work Group where consumers and other stakeholders can provide input.
Before making a final decision, the state will publish recommendations regarding the EHB. These recommendations will be posted for public comment.
Read our fact sheet for more information about EHBs and how you can give your input to the state as it decides on Rhode Island's EHBs.
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