How does Highmark define "essential health benefits"?

Highmark defines "essential health benefits" as a comprehensive set of health care service categories that must be covered by health plans. This definition aligns with the standards set by the Affordable Care Act, which establishes a framework ensuring that all health insurance plans provide coverage for a core set of services. These essential health benefits typically include services such as emergency care, maternity and newborn care, mental health services, and preventive services, among others.

This requirement is significant because it helps to ensure that all individuals have access to a baseline level of healthcare coverage that addresses a wide range of health needs, rather than limiting coverage to specific illnesses or optional services. The focus on these essential categories promotes public health and well-being by ensuring that critical services are universally accessible to enrollees.