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But under the reform law, emergency room visits do not require preauthorization, and you cannot be charged extra for an out-of-network visit.
Many plans don't cover mental or behavioral health services, but that will change under the law. In some states, though, coverage may be limited to a set number of therapy visits per year.
In addition, children under age 19 will be entitled to an eye exam and one pair of glasses or set of contact lenses a year.
Relatively few health plans cover children's dental or vision services today.
The law classifies prenatal care as a preventive service that must be provided at no extra cost.
This year, medical costs will help bankrupt 650,000 American households — including many who thought they had decent insurance until diagnosed with a serious illness.
If you are injured or become ill, many plans today cover rehabilitation therapies to relieve pain and help you regain your ability to speak, walk or work.