Under the Affordable Care Act, there are many doctor visits that are covered under all plans. These types of visits - mostly preventative in nature - are known as wellness visits.
Under the Affordable Care Act, there are many doctor visits that are covered (for free) under all plans. These types of visits are covered for as long as you visit a healthcare provider in your plan's network.
These types of visits - mostly preventative in nature - are known as wellness visits. These are essential visits that are not a result of an injury or illness. In other words, any visit initiated by you as merely a checkup (and some others) will come at no cost to you. Even if you haven't met your plan's deductible. You will not be charged a copay or coinsurance.
What is a Copayment (or copay)?
A fixed amount ($20, for example) you pay for a covered health care service after you've paid your deductible.
What is a Coinsurance?
The percentage of costs of a covered health care service you pay (20%, for example) after you've paid your deductible. Most health plans will cover a percentage of all non-wellness visits to a point - then cover 100% - once you have met your deductible.
What is a deductible?
The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself.
The law also takes into consideration some of the more unique aspects of women's' health and matters related to the wellbeing of women.
For this reason, there are many types of visits that you, as a woman, can initiate that will still be covered for free under your plan.
Here are the top 5 of these types of wellness visits.
Breast cancer genetic test counseling (BRCA) for women at higher risk
Contraception: Food and Drug Administration-approved contraceptive methods, sterilization procedures, and patient education and counseling, as prescribed by a health care provider for women with reproductive capacity (not including abortifacient drugs). This does not apply to health plans sponsored by certain exempt “religious employers.” Learn more about contraceptive coverage.
Anemia screening on a routine basis
Breastfeeding comprehensive support and counseling from trained providers, and access to breastfeeding supplies, for pregnant and nursing women
Domestic and interpersonal violence screening and counseling for all women