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What Happens When Preventive Care Leads to Medical Bills?

What Happens When Preventive Care Leads to Medical Bills?

Posted Sep 16, 2016 by Jenifer Dorsey

Paying for unexpected healthcare and tests after no-cost screenings

Your Obamacare plan provides you with access to many preventive care benefits at no additional cost beyond your health insurance premium, as outlined by the Affordable Care Act. These covered services include screenings, counseling, and immunizations recommended by the U.S. Preventive Services Task Force and your healthcare provider.

But what happens when, for instance, your breast cancer mammography screening or colorectal cancer screening require additional testing and treatment?

Depending on your health insurance benefits, you could be responsible for some or all of your follow-up care. You may need to pay toward your health plan deductible, coinsurance, copayment and services not covered by your health plan.

Michelle Andrews recently addressed this topic in her Kaiser Health News series Insuring Your Health, and one expert stated that cost is always the number one factor that discourages people from getting tested for colorectal cancer.[1]

Opting out of office visits to save money … not advised

Skipping healthcare to avoid medical bills can be tempting when you’ve been feeling fine. However, it is recommended that all adults, even healthy ones, routinely visit their healthcare provider.[2] Putting it off may have consequences. As the term suggests, preventive care can help prevent illnesses before they cause symptoms or problems and detect illness at an early stage when it is likely more treatable.[3],[4]

If additional healthcare costs concern you, here are a few things you can do before—and even after—the bills show up.

1. Check with your health insurance regarding plan benefits

When in doubt, call your health insurance plan’s member services number. Even if you think your preventive care visit won’t cost a dime beyond your premium (e.g., it says so at HealthCare.gov), it doesn’t hurt to confirm with your health insurance company. Provider networks and other factors may impact what you owe, if anything, for preventive services.

If you need additional care and testing, you could be billed. Again, your health insurance company can help you understand your benefits and your financial responsibility.

2. Purchase supplemental benefits to help with out-of-pocket costs

This is something to consider ahead of time, perhaps when you are purchasing health insurance for the upcoming year. Supplemental health benefits such as critical illness plans and medical gap plans, pay lump-sum cash benefits for covered conditions and medical events.

 

What’s critical illness coverage?

Learn more.                    Get a quick quote.

 

A medical gap plan may be right for you.

Is Metal Gap worth it?                     How much will it cost?

 

Work with a licensed health insurance producer to determine which benefits can help you and your family maximize your healthcare dollars – call the number at the top of your screen to speak with one.

 

Find a local agent now.

 

3. Discuss options with your doctor to determine the best course of treatment

If costs concern you, discuss it with your healthcare provider. This individual can help advise you regarding what care and treatment should be received right now, and what can possibly wait. They may also connect you with the clinic or hospital billing department to discuss pricing, payment option and other matters related to the financial aspect of care.

4. Work with a patient advocate

A medical billing advocate or claim assistance professional can work with you to review medical bills and ensure their accuracy as well as help you reduce costs. These individuals work with insured and uninsured people. The Telemedicine package available through healthedeals.com includes patient advocacy and support for high-dollar health claims through Innovative Medical Risk Management, Inc.

 

Buy Telemedicine with patient advocacy starting at $12.50/month.

 

The time for preventive care is now

As 2017 open enrollment nears, it can be a good time to visit your healthcare provider for preventive care. This A) is a way to take advantage of your current health insurance plan, and B) get ready for 2017 open enrollment. Preventive care screenings can help you anticipate your potential healthcare needs for the year ahead, which can help you choose the most appropriate health plan for 2017 during open enrollment.

 



[1] Andrews, Michelle. “Insuring Your Health: Patients, Fearing Pricey Follow-Ups, May Shy Away From Some Colon Cancer Tests.”  Kaiser Health News. Aug. 30, 2016. http://khn.org/news/patients-fearing-pricey-follow-ups-may-shy-away-from-some-colon-cancer-tests/

[2] U.S. National Library of Medicine. Medline Plus. “Preventive Health Care.” Last updated April 11, 2015. https://medlineplus.gov/ency/article/001921.htm

[3] Index. U.S. Preventive Services Task Force. September 2016. https://www.uspreventiveservicestaskforce.org/Tools/ConsumerInfo/Index/information-for-consumers

[4] U.S. Centers for Disease Control and Prevention. Office of the Associate Director for Policy – Prevention. “CDC Prevention Checklist.” Last reviewed and updated Dec. 23, 2015. http://www.cdc.gov/prevention/

About The IHC Group
Independence Holding Company (NYSE: IHC) is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual disability, specialty and supplemental health, pet, and life insurance through its subsidiaries since 1980. The IHC Group owns three insurance companies (Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company) and IHC Specialty Benefits, Inc., which is a technology-driven insurance sales and marketing company that creates value for insurance producers, carriers and consumers (both individuals and small businesses) through a suite of proprietary tools and products (including ACA plans and small group medical stop-loss). All products are placed with highly rated carriers.

IHC Specialty Benefits, Inc.
IHC Specialty Benefits, Inc., 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 via general agents online, telebrokerage, advisor centers, private label and directly to consumers. For more information about Health eDeals visit http://www.HealtheDeals.com.