Affordable Care Act Preventive Care
PREVENTIVE CARE - 100% Coverage for Wellness and Prevention Services Under Obamacare
Prevention A to Z
A hallmark of The Affordable Care Act is its Preventive & Wellness Services offering a wide range of coverage in its mission to create a healthier population. Here is a comprehensive checklist—from cardiovascular & cancer screenings, to family planning & immunization to behavioral health & lifestyle counseling. To shop for these benefits, you’ll have to visit a government healthcare exchange or Marketplace, and decide on a tier-level of coverage.
What Services are Considered to be Essential to Wellness and Prevention?
According the U.S. Department of Health and Human Services (HHS), preventive services are defined as those backed by strong scientific evidence of benefit to health. The notion that “an ounce of prevention is worth a pound of cure” translates into 100% coverage for screenings, counseling and diagnostic tools designed to thwart preventable diseases. The focus is on early detection paired with prevention to help America stay healthy and aware.
Patients will no longer have to pay deductibles, copays or coinsurance for preventive care—as long as they get it through an approved network provider.
How do I know if I am eligible for these services?
The majority of health plans are required to cover preventive care services under the Affordable Care Act. There is no out-of-pocket cost for these services and there is no requirement to meet a co-pay or your deductible. It’s highly recommended that you contact your Personal Benefits Consultant to possibly discuss a better plan for you.
Keep in mind that the ACA requires that all adults and children be covered, therefore even if consider yourself young and healthy, it’s extremely important that you get covered. There is an option to purchase a “Catastrophic Plan” - which ultimately covers young adults for unexpected costs as well as preventive care, including three primary visits annually. This plan applies to all young adults under the age of 30.
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