Under the Affordable Care Act (ACA), all compliant health insurance plans in the United States are legally required to cover ten essential health benefits categories. These core coverages include ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, prescription drugs, rehabilitative services, laboratory services, preventive wellness screenings, and pediatric care. Dental and vision care are typically excluded from standard health plans and require separate policies.
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