Don’t Overlook Preventive Care Coverage When Comparing Bakersfield Health Insurance

Crosby and Crosby logo1In today’s marketplace finding health insurance is far from easy.  There are constant changes as Obamacare regulations take effect and companies try to meet the requirements and deadlines. 

 When looking for health insurance there are many factors to consider besides the monthly premium and deductible. 

One of the most common factors overlooked when purchasing individual or group health insurance is preventive care coverage. 

With the rising costs of medical care continuing to soar it is more important than ever to be proactive about your health care.  Getting the proper preventive care can help you avoid life threatening illness/disease by having early detection and treatment. 

 Many health insurance plans offer preventive care at no out of pocket expense.  For example, Anthem Blue Cross of California, offers preventive care coverage at 100% on their individual health plans. 

This means that if you were covered by an Anthem plan in California and visited your general physician for an annual physical as preventive care the visit would be covered.  Other preventive care coverage may include vision screening, hearing screening, cholesterol screening, PSA test, breast exam and mammogram, PAP test, and many others used in preventive medicine (depending on age and gender). 

Immunizations may also be considered preventive care and covered such as the flu vaccine and HPV immunization.  It is important to speak to your doctor about which appointments and screenings are “preventive” and which are “diagnostic”. 

Preventive care is precautionary and diagnostic care is used to find the cause of existing symptoms.  For example, when your doctor suggests you have a colonoscopy because of your age it is considered preventive care.  If your doctor suggests you have a colonoscopy because of abnormal symptoms you are experiencing that is considered diagnostic care.

  Be sure you speak to your doctor prior to receiving the care and make sure he/she is coding it properly when billing your health insurance, it can make the difference of the bill being covered at 100% by health insurance or going towards your deductible or out of pocket expense. 

Also, make sure to check your health insurance policy to see if your policy covers preventive care at 100%.  

 If you have any questions or would like to review your individual or group health insurance policy with our agency please give Crosby and Crosby Insurance a call at 661-327-5531.

 Crosby & Crosby Insurance Services offers many different health insurance carriers such as Kaiser, BlueShield, Anthem, and Aetna and would be glad to give you a no obligation review of your current medical coverage. To submit your information for a comparion quote please click here.

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