The Affordable Care Act (ACA), also known as ObamaCare, changed a lot about health insurance policies in the United States. One of the most important changes was that all policies except for grandfathered policies must cover 10 essential health benefits.
Preventive health services, including health screenings, vaccines, and counseling, are just one of the many benefits.
Unless you have a grandfathered policy, preventive services must be covered at no cost to the patient, which means that you will not pay a copayment or deductible when you go to the doctor for these services. Preventive health screenings are one of the services provided without cost-sharing, and taking advantage of this benefit is important to maintaining your health and preventing illness.
The Importance of Health Screenings
Preventive health screenings are very important because they allow doctors to detect and begin treatment of any illnesses or issues before they become serious. There are a number of reasons why health screenings are important to your continued good health:
- Regular screenings can help build trust with your doctor over time. In general, you should receive preventive screenings from your regular medical doctor. It is helpful to build an ongoing relationship with your doctor so they can get to know you and you can grow to trust them. Seeing the same doctor regularly will help them detect changes in your health over time.
- Health screenings can help detect a health problem before it becomes serious. If an issue is found during a screening, your doctor will probably order further tests to diagnose or confirm the concerns. Getting preventive health screenings could help you get better faster and help avoid serious illness.
- In the event a screening finds a health condition, you can begin treatment before the illness progresses too far. You may need to see a specialist to get better, or be prescribed certain medications for your condition.
- Health screenings can help you avoid the costs associated with a serious health condition or disability. An added benefit of health screenings is that catching a disease or problem early can help cut back on the costs that are often associated with a serious illness or ongoing disability.
- Regular screenings can help to keep your costs lower. By following a normal schedule of preventive health screenings, you are helping to keep overall medical costs down, both for you and for everyone else.
By taking advantage of the preventive services offered at no added cost with ACA-covered plans, you are better able to take charge of your health. Health screenings offer Americans a smart way to stay in touch with their doctors and their bodies and to identify when something is wrong. Americans stand a greater chance of staying healthy by scheduling regular health screenings.
- HealthCare.gov: 10 health care benefits covered in the Health Insurance Marketplace
- HealthCare.gov: Preventive health services for adults
- Centers for Disease Control and Prevention: Family Health
- Centers for Disease Control and Prevention: Healthier Worksite Initiative
- Health Care Reform. Simplified.: How the ACA is Incentivizing Wellness