Beginning in 2014, certain health plans must cover your basic health needs. The new law defines this coverage as essential health benefits. Essential health benefits include:
Starting next year, all new individual health care plans must cover these essential health benefits. Many group health plans will also cover these benefits.
Plans that are not required to cover these benefits cannot set annual or lifetime dollar limits on them — except grandfathered individual plans may have annual limits. Be sure to ask what the plan you are getting covers. This is especially important if you have a condition that requires ongoing medical care.
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