What aspect of Essential Health Benefits coverage still varies widely between different insurance products?
The extent of coverage, such as annual limits or copayment structures
While the Essential Health Benefits (EHBs) mandate the inclusion of ten specific categories of services, establishing a necessary floor for coverage, the actual scope or 'extent' of that coverage within a specific insurance product is subject to variation. For example, two different plans might both cover rehabilitative services, but one might impose a strict annual limit on the number of covered physical therapy sessions, or they might employ significantly different copayment structures for consultations like mental health visits. This means that even when both plans adhere to the EHB requirement, the financial practicalities and limits of utilizing those benefits differ based on the specific product design.
