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Under the Affordable Care Act, individual plans must cover preventative care--which includes your annual check-ups, preventative tests, and immunizations--at zero out-of-pocket cost to you.
Additionally, all individual plans must cover the following essential benefits:
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Ambulatory patient services (outpatient care)
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Emergency services (trips to the ER)
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Hospitalization (inpatient care)
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Maternity and newborn care
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Mental health services and addiction treatment
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Prescription drugs
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Rehabilitative services and devices
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Laboratory services
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Wellness services and chronic disease treatment
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Pediatric services
While these benefits are not free, individual plans must provide coverage for them.