When you look at Preventative services, be aware there are guidelines that define what these are. Loosely defined, these are the services done during a once a year annual physical you have with the doctor. Make sure you are aware of these services, because many plans will cover this differently than a regular visit to your doctor, also known as a diagnostic visit.
The other reason to make sure you know how this benefit works is because even though a doctor may say, for instance, please come to my office every six months for a check up. If the plan says only one visit a year is covered under preventative, the second visit will not be paid the same by the insurance or could not be covered at all.
If you see a recurring theme, it’s on purpose. No matter the situation, if you want to get coverage from the insurance company, make sure you are checking your policy, not just going by what you hear from co-workers, friends, blogs, or even your doctor. As well meaning as they all are, no one knows your policy other than you and the insurance company.
Tomorrow some help with the higher costs of health care.