Top 10 basic health benefits of ACA

“10 Basic Health Benefits” is a service that must be provided by all health insurance plans to comply with the Affordable Care Act. These 10 categories are:


  • Prevention and health visits, including chronic disease management. There are no common costs for preventive care visits. The Obama Health Care Act requires all 50 programs recommended by the US Preventive Services Task Force to be covered as preventive services. These include women’s visits, screening for domestic violence, support for breastfeeding equipment and contraception.
  • Maternal and child health care. It must be provided free of charge as this is preventive care. Most uninsured young people will find that if they are pregnant, this is a necessary benefit.
  • Mental and behavioral health treatment. It includes treatment for alcohol, drugs and other drug abuse and addiction. Insurance companies avoid paying for these diseases, which requires a long-term commitment. They raised the co-payment to $40 once and limited the number of visits by the therapist.
  • Services and equipment to assist patients with injuries, disabilities or chronic conditions. Most programs include services and equipment that help you recover from temporary injuries, such as broken legs. Aca requires coverage of the equipment needed to treat chronic conditions such as multiple sclerosis.
  • Lab testing. If the doctor uses these tests to diagnose the disease, the plan must pay 100% of the inspection fee. Otherwise, regular copay and deductible apply.
  • Pediatric care. Dental and vision care must be included.
  • Prescription. The program must cover at least one of each class of drugs in the US Pharmacopoeia. The cost of your own pocket is included in your deduction. Before aca, not all insurance plans were like this. They usually pay a price.
  • Outpatient care. Most health insurance plans already cover this.
  • Emergency room service. Most plans include this. If the hospital you are visiting is not within their network, or if you go without prior authorization, some hospitals will charge extra. The Obama Care Reform Program does not charge an additional fee.
  • Hospitalization. Not all plans can pay such a large fee. Most people don't realize that the cost of a day at the hospital is between $2,000 and $20,000. If you have a high deductible plan or a low ceiling plan, you might be surprised at how much you end up paying for yourself.


Your plan should have these benefits


The Obamacare Reform Act applies to all programs developed after March 23, 2010. Prior to this, less than 2% of the programs offered all 10 benefits. If you have your plan before 2010, it may be inherited without the necessary benefits. Many insurance companies have given up on these plans. They ask you to switch to a plan to provide this service on the exchange.


Review these benefits and compare them to the benefits your program currently offers you. You may find that you can get a better plan with less money on the health insurance exchange. Insurance premiums may be higher, but insurance premiums may ultimately lower your costs.


The Obamacare reform program allows states to develop a “benchmark” plan as a model for all other programs within their jurisdiction. This is to ensure that this program is not too expensive for small businesses. These plans must cover the state's benchmark services without setting lifetime maximum or annual limits on costs.


The impact of the ten basic interests on the US economy


By developing this welfare standard, the Affordable Care Act prevents insurers from cutting benefits to reduce costs. Do they not raise premiums? No, because millions of Americans who are currently uninsured will start paying premiums.


Second, preventive care will reduce costs. This is because doctors will find and treat the disease before they need an expensive emergency room. Millions of families will be able to avoid bankruptcy by paying for treatment in advance or by purchasing insurance to cover these costs. Because of the Bankruptcy Prevention Act, people lost their savings and housing to pay for medical expenses. After losing everything, they went bankrupt. Therefore, medical expenses are still the leading cause of bankruptcy.


Medical expenses have risen to compensate for these unpaid bills. As more and more people have insurance, it should reduce medical costs and bankruptcy.


Third, more young people and healthy people will get insurance, thanks to maternal and child health care. This will reduce the cost of health insurance in an all-round way.


Fourth, low-income drug users, alcoholics and mentally ill people will be insured. This reduces expensive emergency room visits. That's why medical expenses will rise faster as Trump weakens Obama's health care reform program.

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