🩺 Understanding Preventive Care Under the ACA

The Affordable Care Act (ACA) mandates that most health plans cover a set of preventive services without charging a copayment or coinsurance, even if you haven't met your yearly deductible. These services must be provided by a doctor or other provider in your plan’s network. ​Verywell HealthCMU+2HealthCare.gov+2Provider News+2

🔍 Commonly Covered Preventive Services

For Adults:

• Blood pressure screening
• Cholesterol screening
• Colorectal cancer screening (for adults aged 50 to 75)
• Type 2 diabetes screening (for adults with high blood pressure)
• Immunizations (e.g., influenza, hepatitis B, shingles)​UnitedHealthcare

For Women:

• Mammograms (every 1 to 2 years for women over 40)
• Cervical cancer screening (Pap test)
• Prenatal care and screenings
• Breastfeeding support and counseling​

For Children:

• Well-baby and well-child visits
• Vision and hearing screenings
• Developmental assessments
• Routine immunizations (e.g., measles, mumps, rubella)​Horizon Blue+79Anthem+79UnitedHealthcare+79Leyla Gerald+27Logowik+27fanchonwamandi.pages.dev+27

🧠 Often Overlooked Preventive Services

• Mental Health Screenings: Depression screening for adults and adolescents.
• Substance Use Counseling: Alcohol misuse screening and counseling.
• Obesity Screening and Counseling: For all adults and children.
• Sexually Transmitted Infection (STI) Prevention: Counseling for sexually active individuals.
• HIV Screening: For adolescents and adults aged 15 to 65.
• Tobacco Use Screening: For all adults and cessation interventions for tobacco users.​

🏥 Carrier-Specific Preventive Care Highlights

Aetna

Aetna covers a comprehensive list of preventive services, including routine screenings and checkups, as well as counseling to prevent illness, disease, and other health problems. ​ealasaidwtilly.pages.dev+5CMU+5Aetna+5

Oscar Health

Oscar plans fully cover preventive care, including annual checkups, vaccines, and screenings like blood pressure or cholesterol, all at no cost to the member. ​Oscar Health+1Oscar Health+1

Cigna

Cigna's preventive care coverage includes annual check-ups, immunizations, and screenings. Most health plans will cover one annual check-up with your doctor. ​Ambetter Health+8Cigna Healthcare+8HealthCare.gov+8

Molina Healthcare

Molina covers preventive services as part of its Essential Health Benefits, including screenings, immunizations, and counseling services. ​Welcome to Molina Healthcare

Ambetter

Ambetter's preventive services include a broad range of services such as screening tests, counseling, and immunizations/vaccines. ​Ambetter Health

UnitedHealthcare

UnitedHealthcare covers certain medical services under the preventive care services benefit, including routine well exams, screenings, and immunizations. ​UHC Provider+1UnitedHealthcare+1

Anthem

Anthem health plans include $0 preventive care, covering services like screenings, vaccines, and annual physicals. ​Anthem+2Oscar Health+2Anthem+2

Blue Cross Blue Shield

Blue Cross Blue Shield plans offer preventive care services such as tests for blood pressure, diabetes, cholesterol, cancer screenings, STI screenings, well visits, and immunizations. ​My Health Toolkit FL

📌 Key Takeaways

• Preventive care services are a vital part of maintaining overall health and are covered at no additional cost under ACA-compliant plans.
• While many services are universally covered, specific offerings can vary by insurance carrier and state.
• It's essential to consult with your insurance provider to understand the exact preventive services covered under your plan.​

📞 Need Assistance?

Understanding the nuances of preventive care coverage can be complex. If you have questions or need personalized guidance, don't hesitate to reach out to us at XactInsure. Our team is here to help you navigate your health insurance options and ensure you make the most of your preventive care benefits.