Essential Health Benefits
基本健康福利
Under the Affordable Care Act (ACA), fully insured small group and individual health plans on and off the Exchange/Marketplace must cover essential health benefits (EHB).
根据《平价医疗法案》（ACA），在交易所/市场上和市场外的完全保险小组和个人健康计划必须覆盖基本健康福利（EHB）
Essential health benefits are minimum requirements for all plans in the Marketplace. Plans may offer additional coverage. You will see exactly what each plan offers when you compare them side-by-side in the Marketplace.
基本健康福利是市场上所有计划的最低要求。计划可能会提供额外的覆盖范围。您在市场上比较不同计划时，将清楚地看到每个计划提供的具体内容。
Essential health benefits under the Patient Protection and Affordable Care Act will include the following general categories:
根据《患者保护与平价医疗法案》，基本健康福利包括以下一般类别：
- These essential health benefits include at least the following items and services:
- 这些基本健康福利至少包括以下项目和服务：
- Ambulatory patient services (outpatient care you get without being admitted to a hospital)
- 门诊病人服务（无需住院即可获得的门诊护理）
- Emergency services
- 紧急服务
- Hospitalization
- 住院治疗
- Maternity and newborn care (care before and after your baby is born)
- 妇产科和新生儿护理（婴儿出生前后的护理）
- Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
- 心理健康和物质使用障碍服务，包括行为健康治疗（包括咨询和心理治疗）
- Prescription drugs
- 处方药
- Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
- 康复和辅助服务及设备（帮助受伤、残疾或慢性病患者获得或恢复心理和身体技能的服务和设备）
- Laboratory services
- 实验室服务
- Preventive and wellness services and chronic disease management
- 实验室服务预防和健康服务及慢性病管理
- Pediatric services including oral and vision care
- 儿科服务，包括口腔和视力护理
According to the Affordable Care Act, plans of all sizes that cover benefits designated as Essential Health Benefits, including self-funded plans, must cover these benefits with no annual limits or lifetime maximums.
根据《平价医疗法案》，覆盖被指定为基本健康福利的计划，包括自筹资金的计划，必须提供这些福利且不设年限限制或终身上限。
Footnote: This is a brief overview of Essential Health Benefits required by the Affordable Care Act. You should read thoroughly and understand the benefits offered before purchasing any insurance policy.
注释：这是《平价医疗法案》所要求的基本健康福利的简要概述。在购买任何保险政策之前，您应仔细阅读并理解所提供的福利。