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How well do you know your health insurance benefits? A recent Kaiser Family Foundation survey found that 60 percent of participating women did not know insurers must cover at least one preventive care visit annually.1
It is true: All health insurance plans that qualify as minimum essential coverage under Obamacare must include certain preventive care benefits without cost sharing (i.e., copayment or coinsurance) even if you have not yet met your deductible. A yearly well-woman visit that includes a full checkup, shots and other disease prevention services, screenings to test for diseases, and education and counseling to help you make health decisions, is among these preventive benefits.2
Many of the preventive services included in health insurance plans under the Affordable Care Act took effect with policies that began on or after Sept. 23, 2010.3 The 22 covered preventive services for women, including pregnant women, took effect with plans starting on or after Aug. 1, 2012.4 They include the following5:
These services must be performed by an in-network health care provider, so check with your health insurance plan before your visit to ensure your provider is covered in-network.
To learn more about each of these services and other ACA-covered preventive services for adults and children, visit healthcare.gov.
1 Gillespie, Lisa. “Survey: Many Women Unaware How Health Law Benefits Them.” Capsules: The Kaiser Health News Blog. May 15, 2014.
2 U.S. Department of Health and Human Services. “Get Your Well-Woman Visit Every Year.” Last revised May 16, 2014.
3 U.S. Department of Health and Human Services. “Affordable Care Act Rules on Expanding Access to Preventive Services for Women.” Last revised June 28, 2013.
5 HealthCare.gov. “What are My Preventive Care Benefits?” n.d.
Jenifer Dorsey is a freelance writer whose specialties include health and fitness, wellness, sports and recreation. She is a competitive amateur track cyclist who also enjoys mountain biking, hiking, camping and other outdoor adventure. Jenifer received a B.A. in journalism from Columbia College Chicago and is an MFA candidate at Naropa University. She lives in Colorado.