What Can You Expect From Your Health Insurance Plan?

By Catch on October 15, 2021
Last updated October 21, 2021

Whether this is your first time choosing a health insurance plan, or you’re a health insurance pro, you may have questions about what you can expect from your coverage. Every plan sold through Catch is a Qualified Health Plan as defined by the Affordable Care Act, because we think it’s important to have comprehensive medical coverage. 

What does ACA Compliant mean?

A plan is considered ACA Compliant if it follows requirements from the Affordable Care Act, including limits on deductibles and copayments. ACA Compliant plans also cannot deny you coverage if you have a pre-existing condition.

All qualified health plans must cover these 10 essential health benefits:

  • Preventive and wellness services and chronic disease management

  • 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)

  • Emergency services

  • Hospitalization (like surgery and overnight stays)

  • Prescription drugs

  • Ambulatory patient services (outpatient care you get without being admitted to a hospital)

  • 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)

  • Pediatric services, including oral and vision care

  • Birth control and breastfeeding coverage

  • Laboratory services

  • Importantly, these are minimums that plans must cover. Many plans provide additional choices in coverage and costs.

Feel overwhelmed by all of this? You’re not alone. Health insurance in the United States may feel like a maze, but Catch can help guide you to the most affordable options, fast. In less than 60 seconds, we’ll show you which plans are available to you and recommend the best plan for your needs. Try our health explorer here.

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