The Affordable Care Act offers the best value and discount for most El Pasoans. Molina, Ambetter, Blue Cross Blue Shield, Friday, and Oscar Insurance are health insurance companies contracted and obligated to follow the rules and guidelines of the Affordable Care Act.
Every health insurance company contracted with the Affordable Care Act (ACA, aka Obamacare) must follow and offer 10 Essential Benefits.
The 10 Essential Benefits are:
All major medical plans afforded by health insurance companies under the ACA must cover 10 mandatory benefits. benefits
In addition the 10 categories of health benefits listed above, plans must also include a few other benefits.
All ACA health plans must cover contraceptive methods and counseling for all women. Plans cannot charge a copay or coinsurance for you to get contraception, as long as you get it from an in-network provider.
All ACA health insurance plan sold through an exchange can not deny you coverage or charge you more because you have a pre-existing condition.