Be Careful to Stay Within Your Network for Preventative Care
New health insurance plans must cover preventative services and there cannot be “cost sharing” – in other words, no co-pays or co-insurance for preventative services.
From the Health and Human Services website, here are some examples of what is covered, without co-pays, co-insurance, or deductibles.
Make sure the doctor’s office bills you correctly for “Preventative” services. If you see the doctor for preventative services only, you should not see a bill. We suggest that if you go to see the doctor for preventative services, do not talk about or have any other services performed. This way, your FREE preventative service will remain free and you should not see a bill.
Those preventative services rated an A or B rating from the U.S. Preventative Services Task Force:
- Children (0-17): Coverage includes regular pediatrician visits, vision and hearing screening, developmental assessments, immunizations, and screening and counseling to address obesity and help children maintain a healthy weight.
- Women (18-64): Coverage includes cancer screening such as pap smears for those ages 21 to 64, mammograms for those ages 50 to 64, and colonoscopy for those ages 50 to 64, recommended immunizations such as HPV vaccination for those ages 19 to 26, flu shots for all adults, and meningococcal and pneumococcal vaccinations for high-risk adults, healthy diet counseling and obesity screening, cholesterol and blood pressure screening, screening for sexually-transmitted infections and HIV, depression screening, and tobacco-use counseling. For plan years (in the individual market, policy years) beginning on or after August 1, 2012, additional preventive services specific to women, such as well-woman visits, screening for gestational diabetes, domestic violence screening and counseling, prescriptions, FDA-approved contraception, must be covered with no cost sharing.
Recent Posts
Why You Should Avoid a Lapse in Auto Insurance Coverage
n Nevada, auto insurance companies notify the Department of Motor Vehicles when you drop your auto insurance policy. If you have a lapse in your auto insurance coverage, even 1 day, it will be noted on your driving record. When this happens, you may be faced with a $250 dollar fine that will go up over time, and you can have your license suspended until you have auto insurance coverage again.
Hidden Pitfalls of Cheap Auto Insurance
Car accidents can be expensive, and your auto insurance policy is your best protection against financial devastation if the unexpected happens. While state-minimum coverage is definitely better than no coverage at all, a high percentage of scenarios shows it’s not enough for most drivers.
How Financing Your Car Affects the Insurance Premium
However, you may end up paying a higher premium than someone who has not financed their vehicle. If you make payments on your vehicle, your lender requires you to have comprehensive and collision coverage on top of the state minimum requirements.