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Fla Dem

(24,265 posts)
15. Even with personal health ins, there are deductibles.
Mon Oct 21, 2013, 09:56 AM
Oct 2013

For a person with some type of personal health insurance, even getting annual check-ups, or preventative care it was an out of pocket cost before you hit you annual deductible limit. So for some people, paying out $2500-$5000 deductible for health care is even too much. One of the many good things that the ACA provides for is "free" preventative services. Free in the sense that all network insurance providers have to cover these services without charging a deductible or co-pay. I'm not sure a lot of people know or understand this benefit of the ACA.

Americans now can receive free preventive service through their private insurance plan without additional cost sharing such as copays or deductibles.

Free preventive services

All Marketplace plans and many other plans must cover the following list of preventive services without charging you a copayment or coinsurance. This is true even if you haven’t met your yearly deductible. This applies only when these services are delivered by a network provider.

1.Abdominal Aortic Aneurysm one-time screening for men of specified ages who have ever smoked
2.Alcohol Misuse screening and counseling
3.Aspirin use to prevent cardiovascular disease for men and women of certain ages
4.Blood Pressure screening for all adults
5.Cholesterol screening for adults of certain ages or at higher risk
6.Colorectal Cancer screening for adults over 50
7.Depression screening for adults
8.Diabetes (Type 2) screening for adults with high blood pressure
9.Diet counseling for adults at higher risk for chronic disease
10.HIV screening for everyone ages 15 to 65, and other ages at increased risk
11.Immunization vaccines for adults
•Hepatitis A
•Hepatitis B
•Herpes Zoster
•Human Papillomavirus
•Influenza (Flu Shot)
•Measles, Mumps, Rubella
•Tetanus, Diphtheria, Pertussis
12.Obesity screening and counseling for all adults
13.Sexually Transmitted Infection (STI) prevention counseling for adults at higher risk
14.Syphilis screening for all adults at higher risk
15.Tobacco Use screening for all adults and cessation interventions for tobacco users

Comprehensive coverage for women’s preventive care

All Marketplace health plans and many other plans must cover the following list of preventive services for women without charging you a copayment or coinsurance. This is true even if you haven’t met your yearly deductible.

This applies only when these services are delivered by an in-network provider.

1.Anemia screening on a routine basis for pregnant women
2.Breast Cancer Genetic Test Counseling (BRCA) for women at higher risk for breast cancer
3.Breast Cancer Mammography screenings every 1 to 2 years for women over 40
4.Breast Cancer Chemoprevention counseling for women at higher risk
5.Breastfeeding comprehensive support and counseling from trained providers, and access to breastfeeding supplies, for pregnant and nursing women
6.Cervical Cancer screening for sexually active women
7.Chlamydia Infection screening for younger women and other women at higher risk
8.Contraception: Food and Drug Administration-approved contraceptive methods, sterilization procedures, and patient education and counseling, as prescribed by a health care provider for women with reproductive capacity (not including abortifacient drugs). This does not apply to health plans sponsored by certain exempt “religious employers.”
9.Domestic and interpersonal violence screening and counseling for all women
10.Folic Acid supplements for women who may become pregnant
11.Gestational diabetes screening for women 24 to 28 weeks pregnant and those at high risk of developing gestational diabetes
12.Gonorrhea screening for all women at higher risk
13.Hepatitis B screening for pregnant women at their first prenatal visit
14.HIV screening and counseling for sexually active women
15.Human Papillomavirus (HPV) DNA Test every 3 years for women with normal cytology results who are 30 or older
16.Osteoporosis screening for women over age 60 depending on risk factors
17.Rh Incompatibility screening for all pregnant women and follow-up testing for women at higher risk
18.Sexually Transmitted Infections counseling for sexually active women
19.Syphilis screening for all pregnant women or other women at increased risk
20.Tobacco Use screening and interventions for all women, and expanded counseling for pregnant tobacco users
21.Urinary tract or other infection screening for pregnant women
22.Well-woman visits to get recommended services for women under 65


I am just too tired for this stuff [View all] KentuckyWoman Oct 2013 OP
We need socialized health care. darkangel218 Oct 2013 #1
The ACA might just get us there. Laelth Oct 2013 #2
/\ This/\ renie408 Oct 2013 #3
I believe it will. Progress is a process. IrishAyes Oct 2013 #4
I agree with you KentuckyWoman Oct 2013 #22
+1 uponit7771 Oct 2013 #25
I agree, we need single payer get the red out Oct 2013 #5
To answer your question... pangaia Oct 2013 #6
It's ACCESS to the medical system that's the problem mountain grammy Oct 2013 #7
what does this mean??? daybranch Oct 2013 #8
Even with personal health ins, there are deductibles. Fla Dem Oct 2013 #15
At my house a $50 co pay for a specialist really eats into the budget KentuckyWoman Oct 2013 #24
This can't be said too often. jeanne43 Oct 2013 #9
I agree with you. ACA is plan a the GOP should have embraced. What we need is single ... marble falls Oct 2013 #10
Having a pile of money is not medical care either treestar Oct 2013 #11
Agreed. However, Medical "coverage" is making it possible for me to finally receive ScreamingMeemie Oct 2013 #12
Like Me? riverbendviewgal Oct 2013 #13
Unbelievable is right. laundry_queen Oct 2013 #28
The ACA gives us a great tool to get there. jeff47 Oct 2013 #14
Your last statement really nailed it. Omnith Oct 2013 #16
Because too many people make too much money by standing between you and health care. Egalitarian Thug Oct 2013 #17
But we want more and more choices, don't we? And more and more and more and more and... randome Oct 2013 #18
When corporate types start pimping 'choices'..... Wounded Bear Oct 2013 #20
It'd be so great to just include it in our Federal taxes with a small monthly buy-in fee every month ErikJ Oct 2013 #19
We need to keep pushing for single payer. Still, at least things will improve now. Arugula Latte Oct 2013 #21
ACA...The Slippery Slope to Single Payer! They figured that out all by themselves. Right on. libdem4life Oct 2013 #23
WE HEAR YOU KENTUCKY GAL Skittles Oct 2013 #26
I'm sick right now. I went to the doctor today. laundry_queen Oct 2013 #27
amen! riverbendviewgal Oct 2013 #29
Absolutely! :) nt laundry_queen Oct 2013 #30
No, that's why I was so angry when universal health care was never on the table tavalon Oct 2013 #31
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