Saving Your Skin: Will Health Care Reform Cover the Cost of Skin Cancer Screenings?
Even though summer is winding down, you probably have plans to be outdoors and enjoy the warm weather while you can. With a few weeks of sunshine ahead, we at Blue Cross Blue Shield of Michigan have not only been thinking about skin care and sun safety, but also about preparing Michigan for health reform.
The Affordable Care Act (ACA) focuses on helping consumers be more proactive about staying healthy through preventative care. In fact, provisions under the ACA require insurers to provide consumers with full coverage for many preventive services.
After a summer of fun in the sun, you probably want to know, are skin cancer screenings fully covered? The answer is no, the ACA does not require insurers to cover the cost of skin cancer screenings.
But don’t fear. There are still many ways you can affordably receive a skin cancer screening. For example, most health insurance plans only require you to pay the co-pay or coinsurance cost of visiting a specialist for your screening visit. And, many health care providers administer free skin cancer screenings, regardless of health insurance. You can check these helpful resources to learn when and where free skin cancer screenings are offered near you:
So, what preventive services are covered under the ACA?
ACA-compliant health insurance plans cover certain evidence-based preventive services and immunizations with no cost sharing. This means that, under the provisions of the Affordable Care Act, some members do not need to pay a copay or coinsurance or meet a deductible first when receiving these services from a provider in our network.
Preventive services may include tests or services recommended by your doctor when they’re used to first detect or screen for a disease or condition. Examples of preventive services are those included in annual exams, such as health maintenance exams (physicals) or OB-GYN visits.
Some examples of common preventive services are:
- Certain screenings for cancer
- Checks of blood pressure and cholesterol levels
- Routine immunizations
- Regular physical exams, including pediatrician visits
- Counseling for tobacco cessation or to address obesity
- Coverage for certain women’s preventive services
Services are not considered preventive when they are for an existing illness or injury. Services used to monitor or follow up on an existing condition — or that aren’t on any of the lists of required preventive services — will not be considered preventive. If a service is not considered preventive, your share of the costs may still apply (such as the usual deductible, copay or coinsurance).
Your benefit plan outlines your specific coverage for these benefits, and your coverage may vary from the types of benefits described in these resources.
All of these preventive services, in addition to others not outlined above, must be covered in-full without you providing a co-pay, co-insurance or meeting the deductible. However, this applies only when the services are delivered by a network provider.
Want to learn more about health care reform? Visit mibluesperspectives.com/health-care-reform.
If you found this post helpful, you may also be interested in these articles:
- Signs of Skin Cancer That May Surprise You
- When Do You Really Need a Second Opinion?
- The Mystery of the Medical Bill: Why Do You Sometimes Get One After Already Paying at the Doctor’s Office?