Awhile back I received a $25 rebate from my insurance provider, BlueCross BlueShield, thanks to the Affordable Care Act. The check was in response to Obamacare’s new 80/20 rule where “insurance companies must spend at least 80 cents of your premium dollar on your health care or improvements to care”. Since my provider didn’t do that, I got some moola back (friends with fancier plans got more money back).
Shortly after my check, I received a letter from BlueCross BlueShield listing new changes that will affect my benefits.
Fearing I’d find a long list of benefits my provider would no longer be covering, I was surprised to discover the opposite.
As of August 1st, several women’s preventive benefits are available to the insured with no patient cost-sharing (no copayment, coinsurance or deductible).
That list includes:
Well-woman visits (yearly gynecological exam)
Screening for diabetes during pregnancy
HPV testing for women at least 30 years of age
Counseling for sexually transmitted infections
HIV screening and counseling
FDA-approved contraception methods, sterilization procedures and counseling (most over-the counter contraceptives including pills, foam, sponge, female condoms, IUDs, diaphragms, cervical caps and implants)
Breastfeeding support, supplies and counseling
Interpersonal relations and domestic violence screening and counseling
Here is a list of all 22 preventive services services covered.
This is really exciting news and benefits we should all take advantage of!
I know personally that I will be saving $400 or more a year with these changes (which for this writer is a lot!)
Do your research and learn what is available to you!
Your provider should have sent you a breakdown of benefits available to you, if not, you can read more at Healthcare.gov.