Which option is generally covered under the "essential health benefits" of health insurance?

The inclusion of preventive services and screenings under "essential health benefits" is a key aspect of modern health insurance plans, particularly those compliant with the Affordable Care Act (ACA). This coverage aims to support public health by promoting early detection and prevention of diseases, which can lead to improved health outcomes and reduced long-term healthcare costs.

Preventive services encompass a wide range of healthcare needs, such as vaccinations, annual check-ups, screenings for conditions like hypertension, diabetes, and various cancers, as well as counseling services for health issues like obesity and smoking cessation. By providing these services at no cost to the insured, insurance plans encourage individuals to seek care proactively rather than reactively, potentially leading to healthier populations and fewer instances of chronic diseases that require more intensive treatment.

In contrast, other options mentioned—such as dental care for adults—often fall outside the essential health benefits unless specifically included in a plan. Cosmetic surgeries are generally not considered essential and are usually excluded unless deemed medically necessary. Long-term care, while an important aspect of healthcare for many, does not typically fall under essential health benefits provided by standard insurance plans. Each of these options highlights the focus of essential health benefits on preventive and foundational health care.