Quote:
Originally Posted by Sly
$800 a month is way more than most people can afford (yeah yeah, government will help out some.) I've looked at a few of the packages, for packages that the average person can afford ($100-$200 per person), the deductibles are $10,000 and more, and my market is an extremely competitive market. Markets that are not as competitive, who knows how they shape up.
I know you are excited about the Messiah doing the Lords work, but Minte wasn't wrong.
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What Minte doesnt realize they cover annual check ups and other things that dont fall under the deductible. That used to cost my mom $400 now its zero. Labs test now are included and cost nothing.
The essential health benefits include at least the following items and services:
Ambulatory patient services (outpatient care you get without being admitted to a hospital)
Emergency services
Hospitalization (such as surgery)
Maternity and newborn care (care before and after your baby is born)
Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
Prescription drugs
Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
Laboratory services
Preventive and wellness services and chronic disease management
Pediatric services
Covered benefits are the health care services that your insurer pays for under your plan. You may still be required to pay a copayment or coinsurance, but the service is recognized by your plan. By comparison, if a service is not covered ? such as an elective surgery or chiropractic care ? you would be responsible for 100% of the associated costs.
The Essential Health Benefits are the minimum requirements for all plans in the Marketplace; certain plans will offer additional coverage, but no plan can offer less.