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ObamaCare includes preventive care at no out-of-pocket cost on most health plans. ObamaCare's free preventive services help to put the focus on wellness, early detection and prevention instead of treatments and cures.
All services are covered regardless of whether you have met your deductible yet, however they must be done in-network to avoid copays.
Preventive care covers everything from immunizations, shots, screenings and tests. You'll also get yearly check-ups at additional cost. We have a full list of services below.
Waiting to treat illness until a person is sick, instead of focusing on prevention, has had a direct effect on the rising health care costs in the U.S. and has caused many Americans to put off seeing a doctor until it's too late due to cost. Preventive care helps you stay healthy. A doctor isn’t someone to see only when you’re sick. Doctors also provide services that help keep you healthy.
It's important to realize that before ObamaCare not all of these services were covered on all plans. Learn more about the other benefits of ObamaCare Americans get at no out-of-pocket cost such as ten essential benefits and no cost discrimination based off of health status or gender.
Since health insurance became a routine benefit of employment, amazingly the insurance companies did not often cover preventative exams or tests. Over time, more insurers have begun offering a smattering of preventive coverage. But, to the insured, it was frequently very expensive until the insured reached the plan deductible. For the past few decades deductibles and premiums rose quickly, and when hard economic times hit, people sought lower premiums that pushed their deductibles up. Once again, preventive health was on the back burner and the pilot light was out. For the uninsured, caring for a cold was challenging enough, preventive exams were a luxury that most could not afford.
Under ObamaCare most health plans are required to cover certain preventive care services at no out-of-pocket costs. These services don't require you to meet your deductible or other limits and should have no copay. If you are on a plan that doesn't cover essential health benefits and free preventive services check out your State's health insurance marketplace to see if there is a better plan for you.
You may be eligible for free preventive screenings, like blood pressure and cholesterol tests, mammograms, colonoscopies, and more. This includes coverage for vaccines and new preventive services for women.
Some of the first benefits that the American public received under the Affordable Care Act went into effect on September 23, 2010. The Affordable Care Act required that all health insurance policies that went into effect on that day or afterwards had to cover certain preventive services. In addition, these 15 services could not have any cost sharing. No cost sharing simply means no out-of-pocket payments and no need to wait until to reach a deductible.
While adults get 15 services covered for preventive care, women get 22 and kids get 26 covered services. These services include some of the most important types of prevention like immunizations, mammograms and wellness visits. Medicare patients also gain some new benefits under the ACA as the 2010 preventive health mandates apply to them as well.
Included in the 15 preventive services for adults are immunizations, screenings for depression, blood pressure, colorectal cancer, and high cholesterol. Diet and alcohol abuse counseling, though not screening services are also included as no out-of-pocket services.
Children are entitled to 26 preventive services. These include a host of developmental and other screenings and immunizations.
Immunization vaccines for adults--doses, recommended ages, and recommended populations vary:
Obesity screening and counseling for all adults
In 2012, women became entitled to benefits under specific provisions of the Affordable Care Act. These provisions include well-woman visits, counseling for domestic violence victims, domestic violence screenings, and contraception counseling and dispensing.
Immunization vaccines for children from birth to age 18 —doses, recommended ages, and recommended populations vary:
Iron supplements for children ages 6 to 12 months at risk for anemia
Lead screening for children at risk of exposure
All plans starting January 1, 2014 or later will feature these no-out-of-pocket preventive health exams.
According to the Department of Health and Human Services, more than 54 million Americans have received no-out-pocket care already. That is incredible for a law that is not fully implanted.
Imagine how beneficial Obamacare will be when fully implanted on January 1, 2014. Now that you understand some of the preventive care that is covered on new plans it's time to go see if you qualify for cost assistance on a new marketplace plan or to learn more about ObamaCare's new benefits, rights and protections.