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Simpson Financial Group  Preparing for life’s uncertainties

Preventative HealthcareYou've likely renewed your insurance coverage for the year. Affordable Care Act (ACA) plans for 2017 took effect in January and February of this year.

Now that you have coverage, you're facing a much less risky future. First, you won't have to pay any penalties associated with not having health insurance. Furthermore, now that you have coverage, you can begin to take advantage of the many perks.

Costs During a Plan Year

Most health insurance plans come with deductibles. You often have to meet the cost of your deductible to receive full coverage when you go to the doctor. Depending on what type of ACA coverage you have, you may qualify for assistance to pay the deductible.

A deductible usually means that at the beginning of the plan year, some of your medical bills may be higher. However, as you pay off your deductible, the costs will likely drop. Because of this, some people like to put off their annual checkups until after they meet their deductibles.

But just because you have a deductible doesn't mean that you can't seek care. If you need a specialist or immediate care, don't let your deductible get in your way. Always go to the doctor.

Preventative Services

It's also important to note that the ACA comes with many special benefits that fall under preventative care.

The ACA mandates that most major health care plans must offer certain preventative and diagnostic services free of charge. Regardless whether or not patients have met their deductibles, they can generally access these services without paying a dime.

Preventative services can help patients catch problems before they get worse. These procedures evaluate you while you are healthy. Since you have the ability, take advantage of these services as soon as possible.

Preventative services under your plan may include:

  • Certain vaccines — including influenza, hepatitis, human papillomavirus (HPV), measles, mumps and rubella (MMR), pneumonia, tetanus and many others
  • Obesity screening and counseling
  • Certain STD and STI screenings
  • Tobacco use screening
  • HIV screening
  • Alcohol misuse screening
  • Diet counseling and cholesterol screenings
  • Diabetes screening
There might be other types of preventative screenings that you can access as well. For instance, children are often able to access other preventative services specific to their needs.

Preventative testing helps ensure you and your family stay ahead of any problems. Take advantage of them using your health insurance coverage to ensure you stay well.

Simpson Financial Group, Inc. can help you get the insurance coverage you need to protect your health. Give us a call at (877) 727-7780 for a free health insurance quote.
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