• Health Care Reform

    What general services does my health plan cover?


    June 22, 2014

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    The Affordable Care Act ensures that all non-grandfathered individual and small group insurance plans include 10 essential health benefit categories.  Millions of people may now have access to more comprehensive coverage that includes items and services within at least the following 10 categories:

    1. Ambulatory patient services
    2. Emergency services
    3. Hospitalization
    4. Maternity and newborn care
    5. Mental health and substance use disorder services, including behavior health treatment
    6. Prescription drugs
    7. Rehabilitative and habilitative services and devices
    8. Laboratory services
    9. Preventive,  wellness and chronic disease management services
    10. Pediatric services, including oral and vision care

    Keep in mind that each member may have different types of items and services that are covered, depending on what type of health insurance he or she has purchased.

    Blue Cross Blue Shield of Michigan and Blue Care Network make a Summary of Benefits and Coverage available for all Individual members online and upon request. If you receive coverage from your employer, we work in partnership with your employer to provide these summaries. We recommend that you review this document so you’re fully aware of your benefits, coverage and cost-sharing responsibilities for various health care services.

    For more health insurance tips visit bcbsm.com/101 or follow the hashtag #Covered101 on our social channels. If you have a specific question, please submit your query online through our Customer Action Center

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