5 ms·

Ha… I’d love a plan that covered an annual checkup. Never seen one of those as an option.

by dwighttk 5y ago

b112 5y ago
Weird! So many things cost less, if caught early. A lot less.
- dwighttk 5y ago
  Hey I’m on the same page. Doesn’t make any sense to me.
paxys 5y ago
All health plans in the USA must fully cover an annual physical and other preventative services (like shots and some kinds of screenings) under the ACA.
- dwighttk 5y ago
  From hhs.gov: >Most plans must over [sic] a set of preventive services – like shots and screenings – at no cost to you. >For example, depending on your age, you may have access to no-cost preventive services such as: And goes on to list many things but not an annual check up. And also notice “most”, “depending on your age”, and “may”.
  - paxys 5y ago
    So if you schedule a visit to a doctor without a specific problem and they give you your yearly shots and do routine tests, and all of that is covered by insurance, what do you call it?
    - dwighttk 5y ago
      A plan I’d like to have offered to me.
      - gkop 5y ago
        Would you share a bit about your efforts to find such a plan? We other commenters are experiencing cognitive dissonance reading your comments, because in our experience, all the plans we've been on since ACA, cover an annual exam with no questions asked..
  - wtallis 5y ago
    > And also notice “most”, “depending on your age”, and “may”. You say that like you think those are being used as weasel words. But they're just allowing for a more concise summary that does not need to recite every nuance of the requirements, which rightfully are not written as one size fits all. Factors like your age truly do matter to the question of what preventive care makes sense, and it would be a bad public policy to require insurers to cover care as preventive in situations where it does not have preventive value.
    - dwighttk 5y ago
      Ok, but “most” is not “all” like gp (or maybe ggp) claimed.
      - wtallis 5y ago
        It's close enough. That "most" truly is "all" when discussing plans offered through the Healthcare Marketplace. And since you still haven't provided any clarification about your claimed inability to find such a plan being offered to you, I don't think I need to bother digging up details on whatever obscure products require the statement about preventive care to be qualified. If you're being at all honest about your experiences with health insurance, you can more readily identify some exceptions than I can.
        dwighttk 5y ago
        Every plan that was offered to me through the marketplace stated that annual checkups were out of pocket but I could count them against my deductible. I don’t know how to be more clear than that.
        wtallis 5y ago
        > I don’t know how to be more clear than that. You really aren't putting much effort into being clear and convincing, especially given how you've been shown that people are finding your claims quite hard to believe. You are still not offering any specifics such as which state these plans are offered in, what level(s) of plans you looked at (catastrophic/bronze/silver/gold), what (if anything) in the way of preventive services they do purport to cover, what services you expect from an annual checkup that would not be covered. There are lots of obvious ways you could have been much more forthcoming to bolster your credibility, but instead you've been more or less evasive.
- hibikir 5y ago
  They do, but beware fun fees: I've spent hours of my life disputing a psych evaluation charge (under 5 minutes of a pediatrician asking a kid how they are feeling, without any paternal prompting), which the insurance company claimed it wasn't covered in the free physical. So you go to a supposedly fully covered appointment, and come back home to a bill you have to pay, or argue with.
  - maxerickson 5y ago
    It's not just the insurance company in that case though, the doctor's office would have submitted an additional billing code for the appointment (which for something like you describe should probably be treated as fraud).
    - darkerside 5y ago
      The original idea with insurance providers was that they were more educated than their customers, and since they were paying, they would be incentivized and better capable of negotiating with medical providers. Of course, this has proven not to be the case. Part of the reason is that insurance providers are legally prohibited from making profits beyond a certain proportion to what they actually pay for medical services. So now, they are actually incentivized for _higher_ medical costs.
LorenPechtel 5y ago
Other than as part of an overall plan what would be the point? The cost would be the cost of an annual checkup. Other than if you could pay it with pre-tax dollars what would be the point? Insurance is about risk, not about certainty.

Ha… I’d love a plan that covered an annual checkup. Never seen one of those as an option.

b112 5y ago

Weird! So many things cost less, if caught early. A lot less.

dwighttk 5y ago
Hey I’m on the same page. Doesn’t make any sense to me.

paxys 5y ago

All health plans in the USA must fully cover an annual physical and other preventative services (like shots and some kinds of screenings) under the ACA.

dwighttk 5y ago
From hhs.gov: >Most plans must over [sic] a set of preventive services – like shots and screenings – at no cost to you. >For example, depending on your age, you may have access to no-cost preventive services such as: And goes on to list many things but not an annual check up. And also notice “most”, “depending on your age”, and “may”.
- paxys 5y ago
  So if you schedule a visit to a doctor without a specific problem and they give you your yearly shots and do routine tests, and all of that is covered by insurance, what do you call it?
  - dwighttk 5y ago
    A plan I’d like to have offered to me.
    - gkop 5y ago
      Would you share a bit about your efforts to find such a plan? We other commenters are experiencing cognitive dissonance reading your comments, because in our experience, all the plans we've been on since ACA, cover an annual exam with no questions asked..
- wtallis 5y ago
  > And also notice “most”, “depending on your age”, and “may”. You say that like you think those are being used as weasel words. But they're just allowing for a more concise summary that does not need to recite every nuance of the requirements, which rightfully are not written as one size fits all. Factors like your age truly do matter to the question of what preventive care makes sense, and it would be a bad public policy to require insurers to cover care as preventive in situations where it does not have preventive value.
  - dwighttk 5y ago
    Ok, but “most” is not “all” like gp (or maybe ggp) claimed.
    - wtallis 5y ago
      It's close enough. That "most" truly is "all" when discussing plans offered through the Healthcare Marketplace. And since you still haven't provided any clarification about your claimed inability to find such a plan being offered to you, I don't think I need to bother digging up details on whatever obscure products require the statement about preventive care to be qualified. If you're being at all honest about your experiences with health insurance, you can more readily identify some exceptions than I can.
      - dwighttk 5y ago
        Every plan that was offered to me through the marketplace stated that annual checkups were out of pocket but I could count them against my deductible. I don’t know how to be more clear than that.
        wtallis 5y ago
        > I don’t know how to be more clear than that. You really aren't putting much effort into being clear and convincing, especially given how you've been shown that people are finding your claims quite hard to believe. You are still not offering any specifics such as which state these plans are offered in, what level(s) of plans you looked at (catastrophic/bronze/silver/gold), what (if anything) in the way of preventive services they do purport to cover, what services you expect from an annual checkup that would not be covered. There are lots of obvious ways you could have been much more forthcoming to bolster your credibility, but instead you've been more or less evasive.
hibikir 5y ago
They do, but beware fun fees: I've spent hours of my life disputing a psych evaluation charge (under 5 minutes of a pediatrician asking a kid how they are feeling, without any paternal prompting), which the insurance company claimed it wasn't covered in the free physical. So you go to a supposedly fully covered appointment, and come back home to a bill you have to pay, or argue with.
- maxerickson 5y ago
  It's not just the insurance company in that case though, the doctor's office would have submitted an additional billing code for the appointment (which for something like you describe should probably be treated as fraud).
  - darkerside 5y ago
    The original idea with insurance providers was that they were more educated than their customers, and since they were paying, they would be incentivized and better capable of negotiating with medical providers. Of course, this has proven not to be the case. Part of the reason is that insurance providers are legally prohibited from making profits beyond a certain proportion to what they actually pay for medical services. So now, they are actually incentivized for _higher_ medical costs.

LorenPechtel 5y ago

Other than as part of an overall plan what would be the point? The cost would be the cost of an annual checkup. Other than if you could pay it with pre-tax dollars what would be the point? Insurance is about risk, not about certainty.