A guide for what's available to you
The world of health insurance can be a confusing place. What is covered? What is my deductible? What providers are included in my plan? The list of questions goes on, but one that you may not have considered is finding out what preventive care services are covered by your plan.
Did you know that many of your family’s preventive care services may cost you nothing when you use a provider who is part of your health insurance plan’s network? Under the Affordable Care Act, many preventive services are covered with no deductible, copayments or coinsurance when provided by an in-network provider. This means your insurance plan will pay 100 percent of the maximum allowed amount.
Preventive services include:
1. Services with an “A” or “B” rating from the U.S. Preventive Services Task Force, including screenings for:
- Breast cancer
- Cervical cancer
- Colorectal cancer
- High blood pressure
- Type 2 diabetes
- Cholesterol levels
- Obesity in children and adults
2. Immunizations for children, adolescents and adults as recommended by the Advisory Committee on Immunization Practices of the U.S. Centers for Disease Control and Prevention.
3. Preventive care and screenings for infants, children and adolescents as provided for in the comprehensive guidelines supported by the Health Resources and Services Administration.
4. Additional preventive care and screenings for women provided for in the guidelines supported by the Health Resources and Services Administration, including:
- Women’s contraceptives, sterilization procedures and family planning counseling
- Breastfeeding support, supplies and counseling; breast pumps are limited to one per calendar year, or as required by law
- Gestational diabetes screenings
Additional covered preventive care services include:
- Routine bone density testing for women
- Routine screening mammograms, including coverage for low-dose mammography screening
- Routine colorectal cancer examination and related laboratory tests
- Pelvic exams
- Routine hearing screenings
- Routine vision screenings
So, what does all of this mean for you and your family?
Seeing your doctor for health screenings using your preventive care coverage means you and your family can begin to take charge of your health by getting healthy and staying healthy.
If you need more details and have specific questions about your health insurance and preventive coverage, call your insurance company directly.