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VaccinationVaccines are an important component of wellness. Most vaccines in the United States are covered in some form under health insurance.

The Affordable Care Act has impacted how health insurance policies cover vaccines. These changes have also affected pricing for vaccines.

Covering Vaccines With Health Insurance

The Affordable Care Act lists preventative services that insurers have to cover. Vaccines are among the list of preventative services covered by the law.

Most private plans and plans managed by the federal Healthcare Exchange have to cover vaccines to a certain extent. Different plans will likely cover vaccines in different ways.

Most of today's insurance plans will offer coverage for the vaccines free of charge. Certain plans still exist, however, that may not cover the total cost of vaccines. You may have to pay a small co-payment to get a vaccine, or it might not be covered at all under your plan.

Your insurance plan should cover the most critical vaccinations. Just remember to talk to your insurance provider before you get a vaccine. They can advise you on how your plan covers vaccinations.

The Law Doesn't Cover All Vaccines

Even though the ACA mandated coverage for a lot of vaccines, it didn't extend total coverage to all vaccines.

ACA plans generally only cover certain types of vaccines. These are usually the ones that the law mandates most Americans receive — such as the ones that protect against dire illnesses like measles, chicken pox and meningitis. Many states require individuals to get these shots before they enroll in school. Most lawfully required vaccines have coverage under ACA mandates.

Insurance plans will also likely cover vaccinations against common illnesses like influenza, pneumonia, or human papillomavirus (HPV). The law may not require individuals to get these shots. However, medical experts have deemed vaccinations against these illnesses as effective ways to reduce epidemic breakouts. These vaccines help patients live healthier lives and reduce illness risks to the community.

Vaccines not covered by the ACA may include those for illnesses that don't pose a significant risk to the general population. For example, sometimes you have to get certain vaccinations to travel abroad. The ACA may not mandate full coverage for these rare or unique vaccines, so you might have to pay for their full cost. However, your individual health insurance policy might still offer supplementary coverage for these vaccines.

Always remember that your age and health could make you a higher risk for certain illnesses. Therefore, these factors might qualify you for vaccine services under your insurance coverage.

Simpson Financial Group, Inc. has your coverage needs in mind. Call us at (877) 727-7780 for a free health insurance quote.
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