What is the purpose of the Essential Health Benefits in Arizona health insurance plans?

The purpose of Essential Health Benefits (EHB) in Arizona health insurance plans is to ensure that all plans cover a standardized set of important health services. This mandate is designed to protect consumers by establishing minimum coverage standards that health insurance policies must meet. This means that regardless of the insurer or specific plan chosen, individuals can expect to have access to vital medical services such as emergency care, hospitalization, outpatient services, maternity and newborn care, mental health services, prescription drugs, rehabilitative services, and preventative care.

This framework aims to promote broader access to healthcare, improve health outcomes, and reduce the financial burden of medical expenses for individuals and families. By having these essential services included, the EHB helps to ensure that policyholders are not left without necessary care, thus fostering a more equitable healthcare system.

Options related to limiting monthly premium costs, providing extra benefits for preventive care, or covering cosmetic procedures do not align with the primary objective of EHB. The focus of EHB is on essential medical services that are necessary for maintaining good health, as opposed to factors affecting premium costs or optional benefits.