Apart from essential benefits, there are additional benefits that are available with health insurance plans. Here are some of them:
Plans must cover birth control and contraceptive services for women without charging a copayment for an in-network provider. This bar is in place regardless of whether the woman has met her deductible. The covered contraceptive methods, all of which must be FDA-approved, include barrier methods, sterilization (getting a hysterectomy), IUDs and other implant devices, birth control pills, vaginal rings, emergency contraception such as Plan B, and patient education as to the various birth control methods. There are exemptions for birth control coverage, including opt-outs for religious employers. Abortion-inducing pills and male sterilization (vasectomies) are not required coverages.
In some cases, plans will have a separate standalone plan for dental coverage. In others, the premium will include dental care. There are two different dental category plans: high and low. Low plans have lower premiums and higher copayments, while high plans have high premiums and lower copayments. High plans are suitable for people who need a lot of dental care, whereas low plans better suit someone not at the dentist very often. Insurers do not have to offer dental coverage for adults, but it is required for children.
Plans must cover breastfeeding equipment and counseling for women who are nursing and pregnant. A health insurance plan must cover the cost of a breast pump, regardless of whether the pump is rented or new.
This health coverage is not required for adult members the way it is with children. This coverage can include eye exams, glasses, and other important eye-related services. You can choose a stand alone vision plan or have it included with the premium.
Medical management plans include benefits for patients with specific health needs, such as weight management, back pain, chronic disorders such as diabetes, and other similar conditions.
Whether or not some of these additional benefits are included in your health insurance also depends on the state you live in.