We have had many conversations since November 1 helping individuals compare health insurance plans as part of the annual Open Enrollment period. Questions have come up particularly about how routine services are covered. Benefits can vary somewhat from carrier to carrier, but there are specific preventive benefits that are guaranteed in each contract through Federal legislation.
Finding this information can be difficult and the details are too lengthy for me to write out, so I have provided the links for the answers we all seek. Specific schedules of care are not provided and services are not described in detail, but here are the links that will introduce the services that are covered. If these links do not come up “live” or active, please open an internet browser and copy and paste each link into the address bar.
https://www.healthcare.gov/preventive-care-adults/ covers the details we all need for adult wellness care.
https://www.healthcare.gov/preventive-care-women/ covers the details we all need for wellness care specific to women.
https://www.healthcare.gov/preventive-care-children/ covers the details we all need for wellness care specific to children.
As we go about accessing services in the months ahead it will be helpful to know what should be covered and what might not be. Please use these links as a starting point in your conversations with providers about what the cost of specific procedures will be.