Folks that have Medical Insurance and folks that are looking around for Health Insurance Quotes always ask the same common question.  What happens if I have a cold or the flu do I have to meet the deductible to go to the doctor?   Answer, no not usually.  It really depends on what kind of Medical Insurance plan you have.  An HSA, or a one deductible Medical Insurance plan usually does not provide for doctor co-pays because these types of Medical Insurance policies only start to pay once you have met the deductible.  The nice things about these types of plans are that you do not pay for any services unless you actually use them.  Other individual Medical Insurance policies that have doctor co-pays as part of the benefits of the Medical Insurance plan do not require you to meet the deductible in order to take advantage of the doctor co-pays.

When health care reform went into effect on September 23, 2010 one of the provisions was preventive care.  One of the items required to be available to all persons with a Medical Insurance policy was vaccinations at no charge to the Medical Insurance policy holder.  So, if you have Medical Insurance policies get yourself, your kids, and your spouse to your family doctor and get your flu shot!  “Vaccination is the mainstay of flu prevention.  The killed flu vaccine (a flu shot) should be given to children older than 6 months of age and in two separate doses for children younger than 9 years of age who have not been previously vaccinated.”  That’s according to   Also, according to “The flu vaccine is also available as a nasal spray (FluMist) for healthy children aged 5 years or older, adolescents, and adults aged 49 years or younger.  Children 5-8 years of age who has not received the full vaccine as a nasal spray before require two doses about two months apart.  Children who take aspirin should not receive the live vaccine.”

Although your Medical Insurance policy provides you with doctor co-pays there is not a lot a doctor can do for colds.  Prevention is the best way to avoid colds.  Mayo Clinic has some common-sense things you can do to protect yourself from the common cold virus. “ Wash your hands thoroughly and often, and teach your children the importance of hand washing.  Keep your kitchen and bathroom countertops clean, especially when someone in your family has a common cold.  Wash children’s toys periodically.  Always sneeze and cough into tissues.  Discard used tissues right away, and then wash your hands carefully.  Teach your children to sneeze or cough into the bend of their elbow when they don’t have a tissue.  Don’t share drinking glasses or utensils with other family members.”

Medical Insurance