Most health plans include a standard package of health care benefits. The new law defines this coverage as essential health benefits. Essential health benefits include:
Individual health care plans (except short-term plans) cover these essential health benefits. Many group health plans 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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