Essential health benefits
Independence Blue Cross’s health insurance plans cover ten Essential Health Benefits as defined by the Health Care Law.
| Essential health benefit | Example |
|---|---|
| Preventive, wellness, and disease management services | Yearly physical, flu shot, gynecological exam, birth control |
| Emergency care | Treatment for broken bones, heart attacks, and more at a hospital emergency room |
| Ambulatory services | Minor surgeries, blood tests, X-rays |
| Hospitalization | Treatment at a hospital for a condition that requires you to stay overnight or multiple days |
| Maternity and newborn services | Care through the course of a pregnancy, delivery of the baby, and checkups after the baby is born |
| Pediatric services, including dental and vision | Well visits, shots to prevent serious health conditions, teeth cleanings and exams, frames, lenses |
| Prescription drugs | High blood pressure medicine, insulin, antibiotics, birth control pills |
| Laboratory services | Blood tests |
| Mental health and substance abuse services, including behavioral health treatment | Getting help to deal with conditions like depression, alcohol abuse, and drug abuse |
| Rehabilitation and habilitation services | Physical therapy, speech therapy, occupational therapy |
In addition, Independence will cover 100 percent of the cost of certain designated preventive services, such as wellness visits, immunizations, screenings for cancer, and other diseases. That means you will not pay any deductible, copays, or coinsurance for many preventive services that can help you stay healthy.