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Health care reform - otherwise known as the Affordable Care Act - gives you the right to access certain preventive medical services with no cost-sharing, including co-pays or coinsurance even if you haven't met your deductible. The list of free services includes immunizations, cancer screenings, depression screening and much, much more. See the full list at Healthcare.gov. There's also specific services covered for women and even for children.
If you've been charged for a preventive service that you believe should've been free, give our health insurance experts a call at 1-800-562-6900 or email us at askmike@oic.wa.gov
We've heard from some consumers who have had their free colonoscopy, but were later charged for the removal and testing of a polyp. Recent guidelines from the federal government should protect you from these charges, but if you have concerns, please contact us. We'll help you understand your rights to these services and others.
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