health insurance policies separate “preventive care” from different types of
health care; for example, emergency medical care and urgent care are considered
and thus, are also billed at a separate rate. Nowadays, health insurers
are required to cover the entire cost of “preventive care,”
which includes regular check-ups, screenings, some laboratory work, and
It is always good to know what preventive care means exactly so that you
know what types of services are covered and which are not. Insurance Specialists,
Inc. offers the following tips to help you discern the differences.
1. The Affordable Care Act
The Affordable Care Act has made wellness exams, vaccinations, health screenings,
and some forms of contraceptives free to patients.
2. Preventive health services should have no cost.
The guidelines that define preventive services were discussed and established
by some of the leading authorities in the medical and scientific communities.
While this goes without saying, preventive health care should come at
no cost to patients. There will be some conditions that will not make
certain services free; as an example, older individuals can expect to
receive some services fully covered by their insurance. However, younger
individuals, who may be less likely to develop or suffer from an age-related
illness may not be covered.
3. Stick with providers in your network.
Your health insurance will only cover services by providers who are in
your network. While it may be necessary to go outside of your network,
for example, you only trust that particular doctor or that doctor was
recommended specifically by a friend.
4. Make an appointment specifically to address one issue.
If you have made an appointment to go for an annual check-up on your overall
health, remind them that you are only there for an exam. If you bring
up other issues concerning your health at any time during your visit,
your doctor might order other exams or order treatments for issues that
are not considered preventive.
5. Speak up if you have any doubts about your bills.
If you have been charged for procedures unrelated to your visit, do not
be afraid to speak up if you have any disagreements about the services
rendered. Billing errors can and do happen frequently, but they can be
quickly smoothed over just by discussing the situation with your doctor.
Call (888) 451-0883!
At Insurance Specialists, Inc., we offer a variety of insurance solutions
to suit your particular needs. We have
over 50 years of experience and place our clients first. To discuss your various health insurance