Medical care advances are commonplace today, and the resulting treatments become more frequent and costly, health care costs also increase. The purpose of health insurance is to help you pay for your healthcare. Your policy protects you and your family financially in the event of a serious illness or injury that could be very expensive. In addition, you are more likely to get routine and preventive care if you have health insurance. Routine and Preventive Care have been shown to be effective in preventing illnesses and early detection usually brings out superior results.

You need to have a trusted professional to guide you in your health insurance. We can assist you in taking the uncertainty out of health care costs because you cannot predict what your medical bills will be. In some years, your costs may be low. In other years, you may have very high medical expenses. If you have the right health insurance coverage, you will have peace of mind in knowing that you are protected from most of these costs. It is unwise to wait until you or a family member becomes seriously ill to try to purchase health insurance.

Did you know there is a link between having health insurance and getting better health care? Research shows that people with health insurance are more likely to have a regular doctor and to get care when they need it.

A key provision of the Affordable Care Act under Section 2713 is the requirement that private insurance plans cover recommended preventive services without any patient cost-sharing, and may not impose cost-sharing (such as copayments, deductibles, or coinsurance) on patients receiving these services. Research has also shown that preventive services can save lives and improve health by identifying illnesses earlier, managing them effectively, and treating them before they develop into more complicated, debilitating, life threatening conditions.

These preventive care requirements apply to all private plans, including individual, small group, large group, and self insured plans in which employers contract administrative services to a third party. Plans that do not have to comply with the “free” preventive services are those plans that were in place before the law took effect on March 23, 2010 and are considered grandfathered plans. Our recommendation, if you are unsure of your plan status, is to call the carrier and ask. Take advantage of these preventive services in your policy!

There are 15 preventive services for adults and 22 covered preventive services, 26 covered preventive services for women, and 26 covered preventive services for Children.

The following are preventive services that have an A or B grade from the U.S. Preventive Services Task Force that are relevant for implementing the Affordable Care Act. The recommendations are presented in alphabetical order and by date.

For more information about the Affordable Care Act and preventive services, go to https://www.healthcare.gov/what-are-my-preventive-care-benefits/This link goes offsite. Click to read the external link disclaimer.