Know What Free Preventive Services Your Insurance Plan Covers

One of the early benefits of the Affordable Care Act (ACA) was the inclusion of many preventive services available without co-payments or co-insurance. If you obtained a health insurance policy or enrolled in a new plan on or after September 23, 2010, there are a host of preventive services that are available at no cost for adults and children.

Among the 15 covered services for adults are immunizations, screenings for blood pressure, cholesterol, colorectal cancer and depression, as well as diet and alcohol abuse counseling. Coverage for children includes 26 preventive services ranging from immunizations to a host of developmental and other screenings. Specific provisions for women were expanded in 2012 to include well-woman visits, contraception and domestic violence screening and counseling.

Medicare beneficiaries also began to benefit from ACA preventive care mandates in 2011, when cost-sharing for certain preventive services was eliminated and coverage for personalized prevention plans and annual wellness visits was initiated.

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