Individual and family health plans
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Essential health benefits

Independence Blue Cross’s health insurance plans cover ten Essential Health Benefits as defined by the Health Care Law.

Essential health benefit Example
Preventive, wellness, and disease management services Yearly physical, flu shot, gynecological exam, birth control
Emergency care Treatment for broken bones, heart attacks, and more at a hospital emergency room
Ambulatory services Minor surgeries, blood tests, X-rays
Hospitalization Treatment at a hospital for a condition that requires you to stay overnight or multiple days
Maternity and newborn services Care through the course of a pregnancy, delivery of the baby, and checkups after the baby is born
Pediatric services, including dental and vision Well visits, shots to prevent serious health conditions, teeth cleanings and exams, frames, lenses
Prescription drugs High blood pressure medicine, insulin, antibiotics, birth control pills
Laboratory services Blood tests
Mental health and substance abuse services, including behavioral health treatment Getting help to deal with conditions like depression, alcohol abuse, and drug abuse
Rehabilitation and habilitation services Physical therapy, speech therapy, occupational therapy

In addition, Independence will cover 100 percent of the cost of certain designated preventive services, such as wellness visits, immunizations, screenings for cancer, and other diseases. That means you will not pay any deductible, copays, or coinsurance for many preventive services that can help you stay healthy.