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Coverage & Benefits

By law, every health insurance plan has to cover some important basics — comprehensive preventive care, prescription drug benefits, emergency services, maternity care and much more.

Essential Health Benefits (EHB)

Essential Health Benefits are a comprehensive package of services that all individual and small group health plans must offer. The basic idea is that health insurance should be about making, or keeping, people healthier. As a result, every plan covers the essentials, like an annual physical, prescriptions or an emergency ambulance ride.

Your Essential Health Benefits fall into these 10 categories:

Ambulatory patient services

It’s an industry term that includes almost any medical service you can get outside of a hospital. Think regular doctor visits, urgent care, outpatient clinics, etc.

Preventive and wellness services and chronic disease management

This includes physicals, immunizations and health screenings but also treatment for chronic conditions like asthma and diabetes.

Emergency services

In an emergency, such as a life-threatening illness or injury, you can go to any emergency room, whether it’s in or out of the network.

Hospitalization

Non-emergency hospital visits are covered when you are sick or injured and include procedures like lab work, X-rays and medication.

Prescription drugs

Approved medication prescribed by your doctor will be covered.

Maternity and newborn care

Comprehensive care throughout pregnancy and childbirth.

Mental health and substance-use disorder services, including behavioral health

Most plans covers counseling, psychotherapy and behavioral health treatments.

Rehabilitative and habilitative services and devices

If you need physical therapy, speech therapy or other therapy, your plan will pay for it along with any devices—like splints, braces or walkers—you may need.

Laboratory services

Lab services cover blood tests and screenings your doctor needs to diagnose illness and monitor long-term conditions like diabetes or high cholesterol.

Pediatric services, including dental and vision care

Babies and kids receive the same Essential Health Benefits, including well-child visits and immunizations.
Coverage/benefits vary by plan and market segment. See your coverage manual/benefits certificate for details.
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Pre-existing Conditions

Wellmark does not deny coverage — or charge more — based on health status. Period. Pre-existing conditions are not a factor in your ability to purchase a policy, nor will they affect the quality of care. You’ll know you can get the care you need when you need it.

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Summary of Benefits and Coverage

Understanding your health plan should be easy. And Wellmark is here to help. A Summary of Benefits and Coverage (SBC) helps you better understand and compare your coverage options. The summaries use a standard format, so it’s easier to make those comparisons. The SBC outlines the medical care and prescription benefits health plans cover, including health benefits, costs, limitations and exceptions, and network provider information.

A Uniform Glossary of Benefits is also included, because most people don’t use words like "coinsurance" and "in-network" in their everyday lives. With simple, concise definitions, the glossary makes it easier to understand common health insurance terms.

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Next: Coverage Exclusions