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[Swede Atlanta]

8. With the implementation of the ACA you have to be a little careful.....

Under the ACA, all compliant policies must provide certain preventive services at no cost to the insured.

So while it is generally true that a deductible is what you must pay before the insurer starts paying, that is only for services that are subject to the deductible.

So under the ACA you should be able to see a doctor once a year for a check-up, receive standard approved tests and vaccinations and other diagnostic and preventive services to be covered either 100% or not subject to your deductible.

If they are free obviously you pay nothing, not even a co-pay. If they are not subject to the deductible then the insurer will pay say 80% and you will pay 20% plus any required co-payment.