Free Preventative Care Coming to Your Health Insurance (but not to “Grandfathers”)

Grandfather status health plans don't have to comply with preventative coverage requirementStarting September 23, any new health plan (or plan that renews after that date) will be required to provide preventative services with no cost sharing.  That means if you have insurance your policy will have to pay 100% of these services and not be able to charge you a deductible, co-pay or co-insurance.  While this is good for people, everyone should do as much as they can to stay healthy, this will add an estimate 1.0 – 1.5% increase to the cost of health insurance. 

So what preventative services will be covered?  Here is a list:

  • Annual physicals
  • Blood pressure, diabetes and cholesterol screenings
  • Routine vaccines for diseases such as measles, polio, or meningitis
  • Flu and pneumonia shots
  • Regular well-baby and well-child visits, from birth to age 21
  • Screening for conditions that can harm pregnant women or their babies (including iron deficiency, hepatitis B, a pregnancy related immune condition called Rh incompatibility, and a bacterial infection called bacteriuria)
  • Screening for obesity, and counseling from your doctor and other health professionals to promote sustained weight loss, including dietary counseling from your doctor
  • Annual mammograms for women over 40
  • Regular Pap smears to screen for cervical cancer and coverage for the HPV vaccine that can prevent cases of cervical cancer
  • Screening tests for colon cancer for adults over 50

 Just as an added note, if your health plan is “grandfathered”, it does not have to comply with this new regulation.  Grandfathered plans are those that were in existence prior to March 23rd of this year and have done nothing to lose their grandfathered status.  This is a list of ways your plan could lose it grandfather status.

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One Response to Free Preventative Care Coming to Your Health Insurance (but not to “Grandfathers”)

  1. Pingback: States, School Boards – Cutting Benefits « Business Risk Management

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