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Free preventive healthcare is often touted as a key Obamacare feature. Under the Affordable Care Act, non-grandfathered health insurance plans are required to cover certain preventive services at no additional cost to insured individuals.
Why the strong emphasis on preventive care?
Chronic disease and conditions such as heart disease, stroke, cancer, diabetes, obesity and arthritis are among the most common, costly and preventable of all health problems in America, according to the Centers for Disease Control and Prevention.1 Chronic diseases account for 86 percent of our nation’s healthcare costs and are the leading cause of death and disability.2,3
Yet, as the CDC states, many of these chronic conditions are preventable and even treatable (and often less expensive to treat) when detected early.4 A study led by the National Commission on Prevention Priorities found that preventive services such as daily aspirin use, tobacco cessation support and alcohol abuse screening can potentially save 2 million lives and nearly $4 billion annually.5 Furthermore, the research concluded that if 90 percent of the population had access to the three aforementioned preventive services and colorectal cancer screening, “the four interventions alone would result in more than 100,000 years of life saved.”
The Affordable Care Act signed into law on March 23, 2010, was intended to help make healthcare, including preventive care, more affordable and accessible to all Americans.6 The law currently includes 66 no-cost preventive services (e.g., screenings, counseling, and immunizations) for men, women and children insured by non-grandfathered, ACA-compliant health insurance plans.
There are 18 covered preventive services for adults with ACA-compliant health insurance plans. These services include the following7:
The 22 covered preventive services for women, including pregnant women, took effect with plan years starting on or after Aug. 1, 2012.8 These services include the following9:
There are 26 covered preventive services for children with ACA-compliant health insurance plans. These services include the following10:
For a more comprehensive explanation of each preventive care service listed, visit healthcare.gov/what-are-my-preventive-care-benefits and click on the links provided with each listed item.
Health insurance plans that began on or after Sept. 23, 2010, and qualify as minimum essential coverage under Obamacare—both those sold on and away from the state-based and federally facilitated health insurance exchanges—must include the preventive services listed above at no additional cost to insured individuals.1 That means you cannot be charged a copayment or coinsurance for these services, even if you have not yet met your annual deductible.
Keep in mind that:
Visit healthedeals.com to learn more about health insurance, the Affordable Care Act, and living a healthy lifestyle. While you are there, get quotes for supplemental health benefits such as dental insurance, telemedicine and gap benefits, which can help further reduce your out-of-pocket healthcare spending.
Last updated Aug. 12, 2015
1U.S. Centers for Disease Control and Prevention. “Chronic Diseases and Health Promotion.” Last updated May 18, 2015. http://www.cdc.gov/chronicdisease/overview/index.htm
2U.S. Centers for Disease Control and Prevention. “Chronic Disease Prevention and Health Promotion.” Last updated July 21, 2015.
3U.S. Centers for Disease Control and Prevention. “Chronic Diseases and Health Promotion.” Last updated May 18, 2015. http://www.cdc.gov/chronicdisease/overview/index.htm
4Centers for Disease Control and Prevention. “Preventive Health Care.” Last updated June 12, 2013. http://www.cdc.gov/healthcommunication/toolstemplates/entertainmented/tips/preventivehealth.html
5Currie, Donya. “Prevention Saves Lives as Well as Money, New Research Confirms.” Nations Health. 2010; 40 (9). http://www.medscape.com/viewarticle/735245
6U.S. Department of Health and Human Services. “Affordable Care Act Rules on Expanding Access to Preventive Services for Women.” Last modified June 28, 2013. http://www.hhs.gov/healthcare/facts/factsheets/2011/08/womensprevention08012011a.html
7HealthCare.gov. “What are My Preventive Health Benefits?: Preventive Health Services for Adults.” n.d. https://www.healthcare.gov/what-are-my-preventive-care-benefits/#part=1
10HealthCare.gov. “What are My Preventive Care Benefits?: Preventive Health Services for Children.” n.d. https://www.healthcare.gov/what-are-my-preventive-care-benefits/#part=3
11U.S. Department of Health and Human Services. “Affordable Care Act Rules on Expanding Access to Preventive Services for Women.” Last revised June 28, 2013. http://www.hhs.gov/healthcare/facts/factsheets/2011/08/womensprevention08012011a.html
About The IHC Group
The IHC Group is an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over30 years. Members of The IHC Group include Independence Holding Company (NYSE:IHC), American IndependenceCorp. (NASDAQ: AMIC), Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company. Each insurance carrier in The IHC Group has a financial strength rating of A- (Excellent) from A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations. (An A++ rating from A.M. Best is its highest rating.) Collectively, the companies in The IHC Group provide insurance coverage to more than one million individuals and groups. For more information about The IHC Group, visit www.ihcgroup.com.
About IHC Specialty Benefits, Inc.
IHC Specialty Benefits, doing business as Health eDeals Insurance Solutions is a full-service marketing and distribution company that focuses on small employer, individual and consumer products. Health eDeals markets products through general agents online, telebrokerage, advisor centers, private label and directly to consumers. For more information about Health eDeals visit www.HealtheDeals.com.