Illinois Health Insurance Practice Exam

Which of the following is considered one of the Essential Health Benefits according to the text?

1. Maternity leave

2. Rehabilitative and habilitative therapy

3. Prescription drugs

4. Major Medical covers

The correct answer is: Prescription drugs

The classification of Essential Health Benefits is a critical aspect of health insurance in the United States, specifically outlined by the Affordable Care Act. Prescription drugs are indeed one of these benefits because they directly relate to the healthcare needs of individuals. This benefit ensures that all health insurance plans that are compliant with the ACA cover a comprehensive range of prescription medications, which is vital for maintaining health and managing various medical conditions. Maternity leave is not classified as an Essential Health Benefit since it pertains more to employment rights and workplace policies than to healthcare services. Rehabilitative and habilitative therapy is also an Essential Health Benefit, providing coverage for services to help individuals regain or improve skills and functioning for daily living. Major Medical covers are not specifically categorized as an Essential Health Benefit but rather refers to a type of health insurance that provides coverage for hospital stays and surgeries, which may overlap with some of the Essential Health Benefits. Thus, while prescription drugs are a crucial part of the Essential Health Benefits framework, others listed have varied relevance under current health policy structures.