What's 'Essential' Under Obamacare?

September 27, 2013 • FA Staff

The Patient Protection and Affordable Care Act requires all health insurance plans to cover 10 "essential benefits" in 2014. How much of the cost covered may vary. Many existing health plans do not provide coverage for all of these services.

The 10 essential benefits include:

1. Outpatient care

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5 Comments

Comments

tkendzior 10 years ago

It baffles me why anyone with a lick of financial sense is incapable of undertanding that the aggregate cost of health care in this country is paid by ALL of us, espectally those who already pay into the system through taxes or health insurance premiums. If you cause more people to pay into the system, and the aggregate cost stays the same, then those paying into the system already will sooner or later derive a benefit from the additional dollars paid into the system by those not now paying. Never mind increased productivity, longer life spans, fewer absents from work, etc., etc. All of that costs all of us in some way. What we had going before was unsustainable but I've yet to hear anyone on the right offer a viable alternative, except Mitt Romney who managed to initiate a very viable plan as governor of Massachusetts.
akorving 10 years ago

You do understand that insurance companies are not the tooth fairy, don't you? They don't "pay" for these wonderful things. Their customers do. Now you may argue that their customers should have been forced to pay for these things all the time, but that's a little bit different than pretending that the insurance companies have been withholding benefits that they should have been paying for all along. Just a quick question: who pays for your health insurance?
KSKinsel 10 years ago

How wonderful that insurance companies are finally being forced to pay for those things which they ought to have been paying for all along! Everyone deserves excellent, affordable healthcare. It has been proved that if you don't call it "Obamacare," but just tell people its many benefits, people think it's a terrific idea. Which it is ...
JoeB 10 years ago

Dear Pweisbe1 The old saying goes, "The devil is in the details." Sorry to see you make decisions based on pretty pictures and a few words. God help your clients. I believe it was 2nd or 3rd grade they taught me the difference between here and hear. Just imagine how much better the world would be if people would make decisions based on fact instead of taking the "easier" path of just using emotion and feelings. I am an advocate for personal responsibility. I don't support the idea of having government become the new plantation masters.
[email protected] 10 years ago

These all sound a lot more positive and nuanced than what you here from Republicans. While financial advisors are advocates for clients, we can also be advocates for financial security in general which includes healthcare for all.

What's 'Essential' Under Obamacare?

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