individual health plans purchased by the market must now cover a set of preventive services at no additional cost to the individual. This means that if you have a health plan and choose to enjoy one of these services, your health insurance provider will absorb the full cost of care.
This provision of the ACA made dozens of procedures and realistic projections for millions of Americans. However, there are still millions of people who do not know or do not include preventive care services. In March 2014, it was reported that only 43 percent of the population has understood that the Affordable Care Act eliminated out-of-pocket for preventive care services.
In addition, many people have chosen to completely give important procedures. In 2014, 20 percent of women reported a preventive care service costs to avoid out-of-pocket high. This means that many women could be skipping regular mammograms, an essential procedure for detecting breast cancer life threatening. Not taking advantage of preventive care services now could mean expensive medical care later.
In an effort to educate Americans about their coverage and encourage them to adhere to a diet if they still have to do, we described the different preventive care services and how you can take advantage of to improve your health.
What specific preventive care services?
There are many options available, but all preventive care services fall into one of four categories:
- evidence-based projections and tips
- preventive services for women
- routine immunizations
- prevention services for children and young adults
in each of these categories there are 15 covered preventive services for adults, 22 covered preventive services for women (including pregnant women), and 26 covered preventive services for children and young adults.
In the adult category, some of the most commonly sought services are projections of depression, colorectal cancer screening for adults over 50, and various immunization vaccines. Tobacco projections and diet tips are also covered.
For women, the services get a little more specific. Mammograms are covered every one to two years for women over 40, and the BRCA test counseling and cervical cancer screening are also covered. Although it can vary, contraception - including birth control, sterilization, and education and counseling - is also considered a preventive care service. Without doubt the most important for the majority of women, well-woman visits are also covered.
Children and young adults can also enjoy a wide range of preventive care services. Autism, vision, and depression screenings, immunization vaccines under 18, and regular checks are covered up to 17 years to aid in the healthy development of young people.
Preventive care services are free. Why do I still have to pay fees?
Preventive services are often described as "free", but it is important to pay attention to the details of the treatment that can end up leaving you with a bill.
additional laboratory work or spray may be the cause of your out-of-pocket expenses. You may hear your doctor mention of sending samples to a laboratory for further testing, and this is where medical costs can start earning. Not all external laboratory tests is covered with a preventive care service.
You can also benefit from treatment based on a visit preventive care service, but that treatment may not be included and could result in cost sharing. For example, although colonoscopy is covered as a preventive care service, removal of polyps during the procedure is not.
Another possibility is that the laboratory can have you charged for a service that actually should have been covered. If an error is obvious or if you are not sure why you need the money, call your doctor or the laboratory directly followed.
Can I receive preventive care services of any doctor?
When you take advantage of preventive care services, it is important to try to see a doctor within your network. This provision can be a little difficult, however: If there is no doctor available to perform the network preventive care services, and an off-network provider is available and you will not be charged. However, if you choose to go to an off-network provider if a network provider is available, you may be charged for the visit and preventive care services performed.
To avoid unnecessary out of pocket expenses, it is best to check first if there is an available network provider for you. If there is, visit this doctor to avoid fees.
Preventive care services are important for everyone, but the only way you can take advantage of them is if you are enrolled in a qualified health plan. If you're still not sure, you can still have until April 30 to cover. Once you find a plan you can start enjoying the preventive care services available.
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