The Affordable Care Act (ACA) requires non-grandfathered health plans in the individual and small group markets to cover a set of essential health benefits (EHB). Here are more details on each of the ten essential health benefits:

1. Ambulatory Patient Services:

Ambulatory patient services cover outpatient care, including doctor's visits, outpatient surgery, and other medical services received without being admitted to a hospital.

2. Emergency Services:

Emergency services provide care for unforeseen and critical medical situations, guaranteeing coverage for emergency room visits and immediate medical attention.

3. Hospitalization:

Hospitalization benefits ensure coverage for treatments that require a stay in a hospital, such as surgeries, overnight stays, and inpatient care.

4. Maternity and Newborn Care:

Maternity and newborn care provide comprehensive coverage for pregnancy-related services, labor and delivery, as well as postnatal care for both the mother and the newborn.

5. Mental Health and Substance Use Disorder Services:

This includes counseling and psychotherapy for mental health conditions and substance use disorders, ensuring that individuals receive the necessary care for their mental and emotional well-being.

6. Prescription Drugs:

Prescription drug coverage ensures access to medications prescribed by healthcare providers, covering a broad range of medications to meet individuals' needs.

7. Rehabilitative and Habilitative Services and Devices:

Rehabilitative services aid in recovering skills lost due to injury or illness, while habilitative services assist in acquiring or maintaining skills for daily living, ensuring comprehensive care for rehabilitation needs.

8. Laboratory Services:

Laboratory services encompass diagnostic tests and screenings, aiding in the diagnosis, monitoring, and treatment of medical conditions.

9. Preventive and Wellness Services and Chronic Disease Management:

Preventive services include routine health check-ups, screenings, immunizations, and counseling, promoting early detection and prevention of illnesses. Chronic disease management ensures ongoing care and support for chronic conditions to improve health outcomes.

10. Pediatric Services, Including Oral and Vision Care:

Pediatric services provide comprehensive healthcare for children, covering routine pediatric care, vaccinations, and screenings. Additionally, oral and vision care services ensure children's dental and vision health needs are met.