If you purchased any individual or family health insurance plan after September 23, 2010, chances are it covers preventive services at 100 percent before your deductible. That’s a fancy insurance way of saying free of charge. It’s also important to note that if you had a Health Savings Account (HSA) plan or coverage through your employer you were already receiving such a benefit well before the Affordable Care Act (ACA) was signed into law.
Some of the most common procedures are routine physical exams, PAP and mammogram testing and PSA screenings. These preventative services can be pivotal for early detection. You would much rather take care of a health concern sooner rather than later, right? Just like the insurance company would rather pay for a $100 doctor's office visit once a year instead of a $100,000 open heart surgery.
There is also the somewhat controversial regulation to provide women free contraceptives and other preventative care, that took effect at the beginning of the month. It’s important to note that even though the law is currently in effect, doesn’t mean your specific insurance plan is compliant just yet. Be sure to check with your local independent agent or HR manager to find out.
Not only is it important to your health and peace of mind to schedule these services every year, or at the appropriate/recommended time, it also helps to maximize the benefits you are currently paying for with your health insurance.
Are you getting a physical exam every year? If not, what is stopping you?
