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


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Published on February 9, 2024

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

How do I use my coverage? 

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 . 

How do I find a doctor? 

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


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