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


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


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