Affordable Care Act requires that most health insurance plans cover 100% of the cost of preventive care. These are health care services aimed at catching small health problems early, to avoid bigger problems later
This rule applies to:
- 'New' individual and family plans. That is, plans that did not exist on March 23, 2010.
- All job-related health plans.
This rule does NOT apply to:
- Grandfathered plans. That is, plans that existed on March 23, 2010 and have not changed benefits for costs since then.
This rule includes all services that the U.S. Preventive Services Task Force has given an A or B grade to for effectiveness. The list of services is updated at least once a year. But, as the Affordable Care Act is
put into place services are being added more regularly.
Preventive services include:
- Blood pressure, diabetes, and cholesterol tests
- Cancer screenings, such as mammograms and colonoscopies
- Counseling on quitting smoking, losing weight, eating healthy, reducing alcohol use, and depression
- Routine vaccinations
- Flu shots
- Well-baby and well-child visits from birth to age 21
- Birth control*
- Volunteray sterilization for women*
The full list can be found here.