Preventive Care: Services Covered at No Cost to You

Under the ACA, all marketplace plans must cover certain preventive services at no cost when provided by an in-network provider — no copay, coinsurance, or deductible applies. This includes annual wellness visits, immunizations, cancer screenings (mammograms, colonoscopies), blood pressure and cholesterol checks, and prenatal care. Taking advantage of preventive services catches health issues early and saves money long-term.

What You Need to Know

Health insurance can be confusing, with terms and rules that vary by plan type, state, and employer. Understanding preventive care is essential for making informed decisions about your healthcare coverage and managing your medical expenses effectively.

Related Insurance Topics

Understanding preventive care is closely connected to these other insurance concepts:

• In-Network vs. Out-of-Network Providers: Cost Differences — In-network providers have negotiated discounted rates with your insurance company, resulting in lower costs for you.
• Maternity Coverage: Prenatal, Delivery, and Postpartum Benefits — Under the ACA, all marketplace plans must cover maternity and newborn care as an essential health benefit, including prenatal visits, labor and delivery, and postpartum care.
• Medicare Parts A, B, C, and D Explained — Medicare is a federal health insurance program for people 65 and older or with certain disabilities.

Need Help Understanding Your Coverage?

GProv's insurance hub helps you navigate your health insurance benefits, understand your costs, and make the most of your coverage. Our AI health navigator, Appi, can answer specific questions about insurance terminology and help you understand what your plan covers.