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Moms: Your Family's Medical Costs Are Covered PDF Print E-mail
Written by The Home Economist   
Wednesday, 19 October 2011 20:56

Your Doctor Keeps You Healthy -- Fully Covered, No Co-pay

To welcome us to cold and flu season, President Barack Obama has forced our health insurance companies to cover the cost of the the medical services that prevent us from getting sick in the first place. And on top of that, he's told our doctors they can't even charge us a co-pay - insurance has to cover the whole service. And on top of that, the deal includes preventive services that span way beyond our winter colds. So while sure it includes your family's flu shots it also encompasses mammograms for women over Jennifer Aniston particpates in a discussion about the Affordable Health Care Act. PHOTO: CHRIS SMITH FOR HHS.age 40, child immunizations, and depression for people of all ages. (Please see the list below.)

The thinking goes, it's cheaper for everyone - but mostly us - if we can simply keep our families healthy. And that if we're asked to pay $20 or $40 or $60 when we're feeling fine, we're much more likely to take our chances and see what the future holds.

But to get 100 percent preventive coverage there is of course a catch: you may have to change insurance plans. If you keep your current carrier then everyone assumes you're happy  - and you may very well be, as many big plans already cover these costs. The new rule applies only to new plans. But keep this in mind: if your insurance company reduces your policy's benefits or it charges you more money, the president is calling it a new plan. Even if the name is exactly the same - so there.

 

PREVENTIVE SERVICES FOR CHILDREN

Health Topic What's Covered
Alcohol and drug use Assessments for adolescents
Autism Screening for children at 18 months and 24 months
Behavioral Assessments for children of all ages
Blood pressure Screening for children
Cervical dysplasia Screening for sexually active females
Developmental Screening for children under age 3 and surveillance throughout childhood
Dyslipidemia Screening for children at higher risk of lipid disorders
Fluoride chemoprevention Supplements for children without fluoride in their water sources
Gonorrhea Preventive medicine for the eyes of all newborns
Hearing Screening for all newborns
Height, weight, and body mass index Measurements for children
Hematocrit or hemoglobin Screening for children
Hemoglobinopathies sickle cell screening for newborns
HIV Screening for adolescents at higher risk
Immunization

Vaccines for children from birth to age 18 including:

  • Diptheria, tetanus, pertussis
  • Haemophilus influenzae type b
  • Hepatitis A
  • Hepatitis B
  • Human papillomavirus
  • Inactivated poliovirus
  • Influenza (flu)
  • Measles, mumps, rubella
  • Meningococcal
  • Pneumococcal
  • Rotavirus
  • Varicella (chickenpox)

 
Iron Supplements for children ages 6 months to 1 year at risk for anemia
Lead Screening for children at risk of exposure
Medical history For all children throughout development
Obesity Screening and counseling
Oral health Risk assessment for young children
Phenylketonuria Screening for this genetic disorder in newborns
Sexually transmitted infection Prevention counseling and screening for adolescents at higher risk
Tuberculin Testing for children at higher risk of tuberculosis
Vision Screening for all children

source: US Department of Health and Human Services

 

PREVENTIVE SERVICES FOR WOMEN

Heath Topic What's Covered
Anemia Screening on a routine basis for pregnant women
Bacteriuria Urinary tract or other infection screening for pregnant women
BRCA Counseling about genetic testing for women at higher risk
Breast cancer mammography Screenings every 1 to 2 years for women over age 4o.
Breast cancer chemoprevention Counseling for women at higher risk
Breast feeding Programs (interventions) to support breast feeding.
Cervical cancer Screening for sexually active women
Chlamydia infection Screening for younger women and other women at higher risk
Folic acid Supplements for women who may become pregnant
Gonorrhea Screening for all women at higher risk
Hepatitis B Screening for pregnant women at their first prenatal visit
Osteoporosis Screening for women over age 60 depending on risk factors
Rh Incompatibility Screening for all pregnant women and follow-up testing for women at higher risk
Tobacco use Screening and interventions for all women and expanded counseling for pregnant tobacco users
Syphilis Screening for all pregnant women or other women at increased risk

Source: U.S. Department of Health and Human Services

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Last Updated on Friday, 16 March 2012 11:39