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.

Woman checking a computer with text “Know your Marketplace plan.

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

An easy-to-read summary that lets you make apples-to-apples comparisons of costs and coverage between health plans. You can compare options based on price, benefits, and other features that may be important to you. You'll get the "Summary of Benefits and Coverage" (SBC) when you shop for coverage on your own or through your job, renew or change coverage, or request an SBC from the health insurance company.

Refer to glossary for more details.

How do I find a doctor?

You’ll usually get the best cost for services when you use “

The facilities, providers and suppliers your health insurer or plan has contracted with to provide health care services.

Refer to glossary for more details.

” providers. You may be able to use providers who aren’t in your plan’s network, but you may pay more.