By law, health plans are required to cover these benefits when received from a network provider:
Ambulatory patient services (doctor and clinic visits)
Emergency services
Hospitalization
Prescription drugs
Maternity and newborn care
Mental health and substance use disorder services including behavioral health treatment
Laboratory services
Rehabilitative and habilitative services and devices
Preventive and wellness services and chronic disease management
Pediatric services, including dental and vision care
This is a richer set of benefits than many Americans have ever been able to access or afford. Another benefit to you is the consumer protections guaranteed by the Affordable Care Act.
The following consumer rights enable you to make informed choices regarding your health care directly pertaining to 1) coverage, 2) costs and 3) care.
Protects your choice of doctors
Keeps young adults covered until age 26
Ends annual and lifetime limits on coverage
Ends pre-existing condition exclusions
Ends arbitrary withdrawals of insurance coverage
Requires regulatory review of premium increases
Helps you get the most from your premium dollars
Removes insurance company barriers to emergency services
Guarantees your right to appeal
Covers preventive care at no cost to you when you use a network provider
Here at Community Health Alliance, we embrace these protections and honor the integrity of their intent, which is to help you live a healthier, happier and more productive life with fewer worries about health care costs.