For example, all plans compliant with the Affordable Care Act (ACA) must provide certain no-cost preventive care services. In addition, they must also provide coverage for 10 essential benefits. Further, some plans offer surprisingly broad wellness programs that reimburse members who take steps to live a healthy lifestyle.
It’s well worth exploring your plan – by not taking advantage of these benefits, you may actually be leaving money on the table!
Preventive services – All ACA-compliant plans cover a range of screenings and immunizations at no charge, even if you have not met your deductible. These services are not just for children – adults can receive screenings such as mammograms (for women older than 40), cancer screenings, vaccinations and more. Here’s a full list of no-cost preventive services covered by your healthcare plan. It’s important to note that if you see your doctor for a no-cost preventive service but also discuss another health issue, your doctor will bill your insurance company for the non-preventive care service.
10 Essential Health Benefits – All levels of healthcare plans, from catastrophic to platinum, cover 10 categories of services. These benefits range from maternity and newborn care to rehabilitative services. These services are subject to your plan’s deductible, copay and coinsurance, but they are included in all plans. Learn more about these benefits.
Health Management Programs – Many plans offer assistance for those with chronic conditions, such as diabetes, asthma or hypertension. For example, health coaching, support groups and a range of resources may be available to help members maintain or even improve their quality of life.
Wellness Programs - Some hplans offer robust wellness programs for individual or family members. For example, Unity offers Fitness FirstSM & More, a program that reimburses up to $200 per year for working out, taking health education classes, eating fresh produce or even getting massages.
Today, healthcare plans offer a surprising number of benefits that were often not available in the past. It’s well worth your time to review the benefits of any plan you’re considering.