Now that you’re covered, know how to use your insurance!

Get the most out of your Marketplace coverage with answers to some common questions, like how to use your coverage and what’s covered. 

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How do I use my coverage? 

• Get more information about using your coverage, like getting regular and emergency care and how to improve your health. 
• Learn how to put your health first (PDF, 1820 KB). You’ll find tips on how to find providers and prepare for appointments. 

What’s covered? 

All Marketplace plans cover: 

• 10 essential health benefits, including prescription drugs, emergency services, hospitalization, laboratory services, and mental health and substance use disorder services. 
• Free preventive health services at no cost to you when delivered by a doctor or provider in your plan’s network. 
• Treatment for pre-existing conditions. 
• Some prescription drugs. Your plan’s list of covered drugs is called a “formulary.” Find your plan’s formulary by calling Member Services, or review your Summary of Benefits and Coverage. 

How do I find a doctor? 

You’ll usually get the best cost for services when you use “in-network” providers. You may be able to use providers who aren’t in your plan’s network, but you may pay more.

Learn how to find a doctor in your plan’s network.