How Health Reform Affects Insurance Costs: FAQ
I take good care of my health. Can I start getting preventive services free of charge?
You may now be able to get a number of preventive treatments and services without extra out-of-pocket costs.
Out-of-pocket payments are medical costs that you have to pay on your own, often through a copay, coinsurance, or a deductible . A copay is a set amount you have to pay for a health service that's covered by your insurance plan. For instance, each time you see a doctor you may pay $15, and your health plan pays the rest of the charges. Coinsurance is a percentage of the cost of health care services. For instance, you might pay 20% of the cost when you see a doctor and your health plan pays the rest.
Preventive services that your insurance will pay for include:
- Screenings for certain diseases and health risks, such as a mammogram to screen for breast cancer and a blood test to check for type 2 diabetes
- Some vaccinations , such as a flu shot
- Certain services for women, such as birth control , well-woman visits, and some screenings specific to women, such as a Pap test
- Some services for children and teens , such as screening for autism , depression , drug use, hearing problems, and certain vaccinations
You must see an in-network provider in order to get these services without having to pay out-of-pocket costs at the time of your visit.