Question

To qualify for inclusion in a Health Benefit Exchange (HBE), health insurance plants must provide 10 essential benefits.

• Ambulatory patient services (outpatient care you get without being admitted to a hospital)
• Emergency services
• Hospitalization (like surgery and overnight stays)
• Pregnancy, maternity, and newborn care (both before and after birth)
• Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
• Prescription drugs
• Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
• Laboratory services
• Preventive and wellness services and chronic disease management
• Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)

Can you think of others that perhaps should have been included? Or, for that matter, one's that should not be included. Remember, plans offered on the HBE's are subsidized by the taxpayer for low-to-middle income families.

Answer 1

Following are some other beneficial services which may be included in the Health benefit exchange, such as,

• Medical advocate service (dealing with medical legal aspects)
• Geriatric services
• Disaster management and services
• oncological diagnosis, emergency services

these are certain factors can be included in HBE, other than that it covers all the medical benefits in the medical world.