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What to know about insurance for preventive screenings

What to know about insurance for preventive screenings

In the United States, most health insurance plans cover preventive health screenings and services at no cost. However, the services may only be free if a healthcare professional under the plan's network provides them.Terms and conditions for individual health insurance plans can vary, so people should always check with their insurance provider to see which services are covered and if any fees will apply.This article explores which preventive screenings insurance plans cover, whether there are any fees for preventive screenings, and whether Medicare covers them.The use of binary terms such as 'male' and 'female' or 'men' and 'women' in this article reflects the language of the sources we've used. Unless otherwise noted, it's unclear whether the research we reference included participants with expansive gender identities.Preventive screenings for all adultsMany health insurance plans will cover the following types of preventive services without charging people a copayment or coinsurance:Preventive screenings for all adults include:blood pressure screeningdepression screeningalcohol misuse screening and counselingobesity screening and counselingcertain vaccinations, depending on a person's age and other factorscholesterol screening, depending on a person's age and other factorstype 2 diabetes screening for anyone between 40 to 70 years of age with overweight or obesitydiet counseling for adults at higher risk for chronic diseasetuberculosis screening for certain people without symptoms who are at high riskaspirin use to prevent cardiovascular disease and colorectal cancer for anyone between 50 to 59 years of age with a high cardiovascular riskstatin preventive medication for certain adults ages 40 to 75 yearscolorectal cancer screening for people between 45 to 75 years of agelung cancer screening for adults ages 50 to 80 at high risk for lung cancer due to current smoking or after quitting smoking in the past 15 yearstobacco use screening for everyone and quitting interventions for people who use tobaccofalls prevention for adults ages 65 years and over who live in a community settinghepatitis B screening for people at high riskhepatitis C screening for people between the ages of 18 to 79 yearssexually transmitted infection (STI) prevention counseling for individuals at higher risksyphilis screening for adults at higher riskHIV screening for anyone ages 15 to 65, and other ages at increased riskpreexposure prophylaxis (PrEP) HIV prevention medication for individuals at high risk of contracting HIV through sex or injection drug useFor menAdditionally, most health insurance plans should cover abdominal aortic aneurysm one-time screening for men of specified ages who have ever smoked without charging them a copayment or coinsurance.Preventive screenings for womenMany health insurance plans should also cover the following types of preventive services for women without charging them a copayment or coinsurance:Cervical cancer screening, which includes Pap tests for individuals ages 21 to 65.Breast cancer screening mammogram, with or without clinical breast examination, every 1 to 2 years for individuals ages 40 and older.Breast cancer chemoprevention counseling for individuals at higher risk.Breast cancer genetic test counseling for those at higher risk.Domestic and interpersonal violence screening and counseling. Yearly urinary incontinence screening.Diabetes screening for people with a history of gestational diabetes who are not currently pregnant and who have not been diagnosed with type 2 diabetes.Chlamydia screening for younger individuals and those at higher risk.Gonorrhea screening for people at higher risk.Bone density screening for individuals over age 65 or 64 years and younger who have experienced menopause.Yearly healthcare professional visits to get recommended services.Preventive screenings for people who are pregnant or may become pregnantFor people who are pregnant or may become pregnant, many health insurance plans will also cover the following types of preventive services without charging a copayment or coinsurance:birth controlsyphilis screeningurinary tract or other infection screeningfolic acid supplements for individuals who may become pregnanthepatitis B screening for pregnant people at their first prenatal visitgestational diabetes screening for people who are 24 weeks pregnant or later and those at high risk of developing gestational diabetespreeclampsia prevention and screening for pregnant people with high blood pressureRh incompatibility screening for all pregnant people and follow-up testing for individuals at higher riskbreastfeeding support and counseling from trained providers, and access to breastfeeding supplies, for people who are pregnant or nursingpostpartum depression screening for birthing parents at baby doctor visitsexpanded tobacco intervention and counseling for pregnant people who use tobaccoPreventive screenings for childrenMost health insurance plans should also cover the following types of preventive services for children and infants without charging a copayment or coinsurance:blood screening for newbornshearing screening for all newborns, and regular screenings for children and adolescents, as a healthcare professional recommendshemoglobinopathies or sickle cell screening for newbornsbilirubin concentration screening for newbornsphenylketonuria screening for newbornsgonorrhea preventive medication for the eyes of all newbornshypothyroidism screening for newbornsautism screening for children at 18 and 24 monthsoral health risk assessment for young children from ages 6 months to 6 yearsfluoride varnish for all infants and children as soon as teeth are presentfluoride supplements for children without fluoride in their water sourcedevelopmental screening for children under age 3regular height, weight, and body mass index (BMI) measurements for all childrenregular baby and child doctor visitsbehavioral assessments for all childrenvision screening for all childrenhematocrit or hemoglobin screening for all childrendyslipidemia screening for all children once between 9 and 11 years and once between 17 and 21 years, and for children at higher risk of lipid disorderslead screening for children at risk of lead exposuretuberculin testing for children at higher risk of tuberculosisAre there any fees for preventive screenings?Preventive screenings are usually only free of charge if a healthcare professional in the plan's network provides them.Healthcare insurance providers may charge a fee if a person receives preventive services from an out-of-network provider. They may also charge a fee for some doctor's office visit costs if preventive service is not the main purpose of the visit.Additionally, a person's insurance may not cover preventive services if a person has a 'grandfathered' health insurance plan.People should always check the terms and conditions for their individual health insurance plan or contact their insurance provider for more information.Individuals without health insurance may still be able to access free or reduced-cost preventive screenings through options like Medicaid, community health centers, or charity clinics. »Learn more:What medical care is available without insurance?Does Medicare cover preventive screenings?Medicare Part B covers many preventive screening tests if a person meets certain criteria. Many of these services are free of charge, but people should always check the terms and conditions of their individual Medicare plan for more information, as plan benefits can vary.For example, someone with a Medicare Advantage Plan may have access to certain preventive services that Original Medicare does not cover, and their costs and coverage rules may differ.Medicare resourcesFor more resources to help guide you through the complex world of medical insurance, visit our Medicare hub.When to speak with a doctorPeople should aim to attend any preventive screenings that are recommended based on their age or other factors, such as pregnancy or tobacco use.Anyone who is unsure about which preventive services would benefit them may want to contact a healthcare professional for further information.»FIND CARE:Find a healthcare professional in your area today.SummaryMost health insurance plans cover preventive health screenings and services at no extra cost.However, coverage and fees can differ between plans. For example, insurance providers may charge a fee if a person receives preventive services from an out-of-network provider. A person should always check the terms and conditions of their health insurance plan or contact their provider for more information.People who do not have health insurance may want to explore options such as Medicaid, community health centers, or charity clinics.
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Why does my pee smell so foul? It's the worst smell ever!
Why does my pee smell so foul? It's the worst smell ever!

The Sun

time17 minutes ago

  • The Sun

Why does my pee smell so foul? It's the worst smell ever!

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Experts warn of the cancer-causing chemicals that are a 'threat to humanity'
Experts warn of the cancer-causing chemicals that are a 'threat to humanity'

Daily Mail​

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  • Daily Mail​

Experts warn of the cancer-causing chemicals that are a 'threat to humanity'

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The Deep Science Ventures report reveals that in the FDA's own database, almost 80 percent of chemical additives directly added to food 'lack the relevant information needed to estimate the amount that consumers can safely eat, and 93 percent lack reproductive or developmental toxicity data.' And of the FDA-regulated additives - both directly and indirectly allowed in food - almost two-thirds don't have publicly available data. In the EU, even with a 'precautionary ethos, typically based on the 'no hazard data, no market' principle', they say there are still too many exceptions. 'The majority of commonly used chemicals lack adequate public data for their long-term health and environmental impacts,' they add. While humans can't see chemicals and microplastics with the naked eye, research is increasingly showing they have a big impact on our health. These toxins are estimated to cost the US healthcare system about $290 million per year, as they have been linked to everything from birth defects to cancer, dementia to asthma, and infertility to children's behavioral and learning difficulties. Microplastics smaller than one micrometer, known as nanoplastics, are of most concern, as research has shown they can infiltrate cells. Studies have revealed that microplastics can cause DNA damage and changes in gene activity, known for triggering cancer. Off the backs of the findings, the researchers called for policy makers and industry leaders to take immediate action. Underscoring the need for immediate action, the researchers concluded: 'Based on our findings, failure to act decisively will likely lead to irreversible consequences for both human health and the delicate balance of our planet's ecosystems. 'Policymakers should consider the impact of toxicity on fertility especially as many countries are struggling to boost it using expensive other incentives. This is important because human and planetary health is at stake. 'For us to ensure our continued development and ability to thrive as a human species, we have to accelerate the growth of innovative, technological solutions and ensure these are funded and scaled at pace.'

10 million Americans will go uninsured due to Trump tax and spend law, CBO estimates
10 million Americans will go uninsured due to Trump tax and spend law, CBO estimates

Reuters

timean hour ago

  • Reuters

10 million Americans will go uninsured due to Trump tax and spend law, CBO estimates

WASHINGTON, Aug 11 (Reuters) - Ten million more Americans will be uninsured in the next decade due to changes in President Donald Trump's tax and spend law, according to an estimate by the Congressional Budget Office. The nonpartisan CBO analysis comes after the legislation became law in July and is an update from a previous analysis that estimated almost 11 million Americans would be uninsured from previous versions of the legislation. The tax and spending law was passed with only Republican votes, as Democrats said the bill was a giveaway to the rich at the expense of low-income Americans. To pay for extending tax cuts passed under Trump's first term and some new temporary tax cuts and other spending, the law has enacted some restrictions and requirements to access the low-income health insurance program, Medicaid. The CBO also estimated that income will decrease for the poorest Americans by $1,200 per year due to the law's tax and benefit changes, but increase for middle-income households from $800 to $1,200, as well as by more than $13,000 for the wealthiest Americans. "The changes in resources will not be evenly distributed among households. The agency estimates that, in general, resources will decrease for households toward the bottom of the income distribution, whereas resources will increase for households in the middle and toward the top of the income distribution," the report said.

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