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February 28, 2021

How to remember the list of EHBs

How to remember the list of EHBs

by Eric Smith / Thursday, 19 July 2018 / Published in Uncategorized

One of the major features of the Affordable Care Act (ACA) was the requirement that all insurance plans must offer the ten Essential Health Benefits (EHBs). But, what are those benefits and how do they differ from benefits before the law was passed.

I use a mnemonic to help remember what the 10 EHBs are: “PROM HELD on WEB”

Initial Keyword Benefit
P Prescriptions prescription drugs
R Rehab rehabilitative and habilitative services and devices
O Outpatient ambulatory patient services;
M Mental mental health and substance use disorder services, including behavioral health treatment
 
H Hospital hospitalization
E Emergencies emergency services
L Lab laboratory services
D Dental for kids pediatric services, including oral and vision care
on
W Wellness preventive and wellness services and chronic disease management
E
B Babies maternity and newborn care
When you are thinking about enrolling in a health insurance plan, be sure you know whether the plan is a “compliant plan” under the ACA. If so, it will include each of these benefits—even if some don’t specifically apply to you individually.
There may be situations where you choose to enroll in a noncompliant plan—such as when you have the need for short-term medical insurance as a bridge between standard plans. Just be sure you know what you are buying and why.
As independent brokers, we are able to compare prices and benefits among all insurance providers. If you are confused or just want help making choices, give us a call.
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