Checking in on your health and getting recommended preventive care may help improve your overall health.
Preventive care means detecting potential issues early before they become major problems.
In this blog, you will learn the difference between preventative and diagnostic care, coverage, and how preventative care may help improve your overall health.
Preventative Care Versus Diagnostic Care
Understanding the difference between preventive and diagnostic care will help you anticipate when cost-sharing applies to certain services.
Preventive Care
Preventive care includes routine well exams, screenings, and immunizations intended to prevent or avoid illness or other health problems.
Preventive care is generally focused on the following:
- Evaluating your health when you are symptom-free
- Offering routine checkups and screenings
- Decreasing the risk of developing health issues even if you are in the best shape of your life
Most health plans usually cover preventive care with $0 out-of-pocket when you see a network provider. This includes plans available through the Marketplace.
Diagnostic Care
Diagnostic care includes care or treatment when you have symptoms or risk factors, and your doctor wants to diagnose them. When preventive and diagnostic care occurs during the same visit, you pay for the diagnostic services (i.e., co-payment, deductible, co-insurance).
Diagnostic care could have additional costs, depending on your plan coverage. Check your plan documents for details.
Preventive Care is Essential
Regular preventive care can drastically increase your lifespan because it may help identify potential health risks for early diagnosis and treatment. That’s one of the many reasons preventive care is important. Helping prevent disease and detecting health issues early is essential to living a healthier life.
Before you schedule your exam, double-check that you’re choosing a network provider. As long as you’re receiving care within your plan’s network of health providers and facilities, preventive services will be free of charge to you and your dependents regardless of the plan type or insurance carrier as long as your plan is ACA-compliant.
Get The Coverage You Need
Preventative care plays a central role in your overall well-being. Health insurance helps provide financial security when it’s needed most by eliminating surprise costs and reducing recurring costs for preventive care.
Choosing the right plan for you or your family depends on how much you want covered. Contact me today for a no-cost, no-obligation appointment. I will help you get the best health insurance plan that fits your needs and your budget.
I am licensed in Georgia, South Carolina, Florida, Pennsylvania, and Alabama.