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Simpson Financial Group  Preparing for life’s uncertainties
 

Doctor Preparing VaccineWith a plethora of vaccines available, many people wonder exactly how many shots they need. Others wonder which vaccines they need and which ones they can leave alone.

Getting vaccinated in today can sometimes be a complicated process. It certainly takes a lot of thought. Vaccines have been proven as safe, effective ways of protecting ourselves from severe illness.

However, vaccines, like every other medical procedure, are not foolproof. While vaccines are very important to everyone's health, most of us know there are side effects to shots. That's why we all assume certain risks when we decide to have a vaccination.

Deciding How and When to Get Vaccinated


Vaccines are not just for children and infants. Different shots can protect everyone at varying stages in life. However, not everyone needs every shot. You may even put yourself at risk if you receive the wrong vaccination at the wrong time.

The most important thing to do before getting vaccinated is to talk to your doctor. Professional medical advice is always best when making vaccination decisions. Ask questions like:

  • Are there any recommended vaccines for my age group?
  • I have a certain medical condition. Could a vaccine harm me?
  • Do you recommend any special vaccines because of my medical history?
  • How can I verify that I have received all necessary childhood vaccines?
  • What are some side effects that could come with this vaccine?
Both age and medical history play a role in determining your eligibility for shots. However, your insurance provider can also play a role in helping you receive vaccines you may need.

Health Insurance and Vaccines


The Affordable Care Act (ACA) governs both private health insurance plans and plans designed to meet requirements set by the law. In both cases, the law makes important changes to vaccines.

Under the ACA, most health plans have to cover certain preventative services for free. The law includes certain vaccines under these preventative services. Vaccines qualify as preventative services because they can help stave off certain health risks.

Some vaccines the law may cover include:

  • Hepatitis A & B
  • Herpes Zoster and Human Papillomavirus (HPV)
  • Flu shots
  • Measles, Mumps, Rubella (MMR)
  • Meningococcal (Meningitis)
  • Pneumococcal (Pneumonia)
  • Tetanus, Diphtheria, Pertussis
  • Varicella (Chicken Pox)
Additionally, your age may qualify you for other vaccines. This may include a shingles vaccine for older adults. Children under age 18 may also be able to get polio vaccines and other common childhood shots free.

For more information on what vaccines you may qualify for, visit this website.

Simpson Financial Group, Inc. can help you get the health care coverage you need for preventative services. Call us at (877) 727-7780 for a free health insurance quote.
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