What is Zero Cost Preventative Care?

Healthcare plans can get complicated, and it's important to study your policy details before enrolling. You need to know what your plan covers, what it doesn't and how much things will cost you despite having a policy in place. Some of the most important details to understand include deductibles.

Deductibles are how much you must pay for health care services before your insurance kicks in. Depending on the type of plan you have, deductibles can be substantial.

Fortunately, many health insurance providers also offer zero-cost preventative care. Zero-cost preventative care refers to a list of services that cost you nothing. Your insurance will pay those costs regardless of whether you've met your deductible. Optimize your benefits strategy with expert brokers! Explore this website to connect with experienced benefits brokers and maximize your employee benefits package.

Types of Zero-Cost Preventative Care

Before you enroll in a policy, reach out to benefits brokers to see what costs your plan covers. Generally, there are three types of services your plan will cover. However, they're only free when performed by a provider in your plan's network.

Adult Preventative Care

Some of the most common types of no-cost care you can get include immunizations and health screenings. Your insurance company will pay for common immunizations to protect you from ailments like chickenpox, flu, Hepatitis A and B, shingles, etc.

Preventative care for adults also includes several types of health screenings. These include:

  • HIV

  • Diabetes Type 2

  • Blood Pressure

  • Alcohol Misuse

  • Hepatitis C

  • Lung Cancer

  • Tuberculosis

Insurance may also cover certain medications like statin preventative drugs and pre-exposure prophylaxis.

Women Preventative Care

Discuss zero-cost preventative care with your benefits broker if you're a woman. In addition to the immunizations and tests for all adults, insurance will pay for many healthcare costs women need to stay healthy.

That includes:

  • Bone Density Screening

  • Mammograms

  • Cervical Cancer Screening

  • Domestic Violence Screening and Counseling

Women who are pregnant or may become pregnant get additional coverage, too. Insurance companies typically pay for gestational diabetes screening, birth control, breastfeeding support, etc.

Child Preventative Care

Insurance companies cover many zero-cost preventative care services for children. These services include immunization and a myriad of health screenings. What plans cover will vary based on the child's age, so speaking with benefits brokers for more information is vital.

Read a similar article about resources for open enrollment here at this page.