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Essential Health Benefit (EHB)

A set of 10 categories of services that certain health insurance plans must cover under the Affordable Care Act, including things like doctor visits, hospital stays, prescription drugs, and maternity care.

Patient Protection and Affordable Care Act (ACA)

A federal law passed in 2010 that aimed to expand health insurance coverage, regulate insurance companies, and lower healthcare costs in the United States.

In Vitro Fertilization (IVF)

A medical procedure used to help people become pregnant, where an egg is fertilized by sperm in a lab dish, and the resulting embryo is then transferred into the woman's uterus.

Assisted Reproductive Technology (ART)

A general term for fertility treatments that involve handling both eggs and sperm, or embryos, outside the human body. IVF is a common type of ART.

Utilization Management Tool

Methods used by health insurance companies, such as requiring pre-approval (prior authorization) or prescribing generic drugs first (step therapy), to manage the use and cost of medical services.

Individual or Small Group Market

The part of the health insurance market where individuals buy plans for themselves and their families, or where small businesses buy plans for their employees. These plans are often sold on health insurance marketplaces.