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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, y

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.
        dwighttk 5y ago
        Silver (and bronze) plans in a southeastern state. I would like to go to the doctor and not have to pay out of pocket for my annual checkup. I understand that the checkup may raise tests and procedures that would cost, but first visit fees and annual checkup fees and some level of basic blood work shouldn’t be out of pocket like they were in the plans offered to me. (I’d even be fine with a copay of $10-25) Beyond that I don’t actually care if you believe me. This is what happened to me

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.
      - dwighttk 5y ago
        Silver (and bronze) plans in a southeastern state. I would like to go to the doctor and not have to pay out of pocket for my annual checkup. I understand that the checkup may raise tests and procedures that would cost, but first visit fees and annual checkup fees and some level of basic blood work shouldn’t be out of pocket like they were in the plans offered to me. (I’d even be fine with a copay of $10-25) Beyond that I don’t actually care if you believe me. This is what happened to me