Major Medical Insurance providers must now offer preventive care free of charge for children, women, and men.  However, you must actually have a major Medical Insurance policy to take advantage of these benefits.  That means that the Medical Insurance plan must be underwritten and you must be enrolled in that plan.

Not sure if you have a major Medical Insurance plan or not?  One way to tell would be to haul your Medical Insurance policy out of the junk drawer in the kitchen.  Open it up and usually on the very first page, many times called a declarations page; it will list the limits of the Medical Insurance policy.  If it says that the Medical Insurance policy you are holding in your own two hands has no yearly or lifetime limits then it is a major medical policy.  If your Medical Insurance policy says that it will pay $50 a day for a hospital bed for a maximum of 7 days you do not have major Medical Insurance and you should call a Medical Insurance broker, like me, right away.

The other little tip I would like to mention is that there are some Medical Insurance plans, like BlueCross/BlueShield of Florida’s GoBlue that do offer well care benefits.  That does not mean that they are a major Medical Insurance plan.  For instance, GoBlue is not underwritten, you do not have t o medically qualify to purchase it.  The well care benefits are just one of the provisions of the policy and they are not the same benefits you would receive with a Health Care Reform policy.  When looking at different health Insurance Quotes make sure you understand the well care benefits completely, especially if it is not a major Medical Insurance plan.  Also, if you have a plan that was issued before September 23, 2010 your Medical Insurance plan does not have to be Health Care Reform compliant.

Want t know exactly what’s covered?  Here’s the scoop from webmd.com:  “Depending on the Medical Insurance health plan type and such factors as your age, preventive care is expected to include such services as:

  •  Blood pressure, diabetes, and cholesterol tests
  •  Cancer screenings
  •  Counseling on smoking cessation, weight loss, healthy eating, depression treatments, and reduction of alcohol use
  •  Vaccines for measles, polio, meningitis, and HPV (human papilloma virus)
  •  Shots for flu and pneumonia prevention
  •  Screening, vaccines, and counseling for healthy pregnancies
  •  Well-baby and well-child visits up to the age of 21, as well as vision and hearing, developmental assessments, and body mass index (BMI) screenings for obesity
  •  Mammograms for women over age 40
  •  Pap smears for cervical cancer prevention
  •  Colon cancer screening tests for adults over age 50”

Medical Insurance

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