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    Health Care Reform:

    Health Insurance & Affordable Care Act

    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:

    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.

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