Securing insurance coverage through Medicaid or the state marketplace guarantees 10 essential benefits. Those 10 essential benefits, covered regardless of income or pre-existing conditions, include: 

  1. Ambulatory/Outpatient Care: These medical services do not require an overnight stay in a facility, ranging from preventative check-ups to treatment, diagnosis and rehabilitation. 
  2. Emergency Care: Immediate care for a significant medical issue is an unfortunate part of life. The average cost of an emergency room visit starts at around $1,400. Insurance often won’t cover the total price but can offset a significant portion of the financial burden you would otherwise have to pay out of pocket. 
  3. Hospital Stays: There are occasions where treatment requires overnight stays, and the average cost of a three-day hospital stay is $30,000.
  4. Behavioral Health: Nearly 1/4 of the U.S. population is affected by anxiety and depression issues. Healthcare coverage allows you to secure the services you need for help.  
  5. Prescription Drug Coverage: Many medical challenges – small or big – require prescription drug treatment. Insurers are required to cover trips to the pharmacy 
  6. Rehabilitative/habilitative services: Not all medical issues are addressed simply by visiting the doctor or undergoing surgery. This type of care helps individuals improve or acquire skills or devices necessary for daily functioning. 
  7. Lab Services: Bloodwork and other types of testing allow doctors to diagnose medical conditions and build treatment plans. Lab services can also be used as part of a preventative treatment plan.
  8. Free Preventive Care: Proactively managing your long-term health is the best way. Regular check-ups with your doctor and routine screenings can help you avoid significant health issues and the financial burden accompanying them. Examples of preventive care include services like regular screenings, dental check-ups and vaccinations.
  9. Maternal Health and Newborn Care: The average cost of pregnancy, childbirth and postpartum care is about $18,865. With insurance, those costs are closer to $2,854, a significant decrease in what you’ll pay out of pocket and the stress you will feel.  
  10. Pediatric Care: Regular doctor visits are essential to ensure your children are healthy. Vision and dental coverage are also vital to protecting your children, and marketplace coverage offset the cost of pediatric care. 

For more information on Medicaid or other affordable coverage options, visit