Protections That Pertain to Employer-Sponsored Group Health Plans

1. Coverage for Young Adults: Young adults can stay on their parent’s insurance plan until age 26 as long as the policy covers dependents.
2. Free Preventive Care: Most health plans are required to provide certain recommended health services aimed at preventing disease at no charge.
3. Essential Health Benefits: A minimum set of “essential health benefits” like hospitalization, prescription drugs, preventive services, and chronic disease management must be covered.
4. No Lifetime Dollar Limits on Coverage: Health insurance plans cannot set a dollar limit on the amount the insurance company will spend on “essential health benefits.”
5. Summary of Benefits and Coverage: Individuals have the right to get a plain language summary (called a Summary of Benefits and Coverage, or SBC) of a health plan’s benefits

Source: American Diabetes Asssociation
Source URL: http://www.diabetes.org/living-with-diabetes/treatment-and-c...

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