Share Your Story: What do preventive health services with no co-pays or deductibles mean to you?
Has cost ever kept you or a family member from getting preventive care? Has it forced you to make tough choices, like delaying a health screening despite family history or putting off paying a bill so you can afford to see a doctor? We also would like to hear about any success stories! Have you received a benefit with no co-pay? Whatever it is, we want to hear from you!
Thanks to the health care law, new insurance plans are required to cover certain women's preventive health services with no co-payments or deductibles at the start of their next plan year. According to the Department of Health and Human Services, 47 million women will benefit from these new services. That's huge!
Tell us — what do preventive health services with no co-pays or deductibles mean to you?
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Your Stories
amishapatal42
barsolona, spain,
I bumped into your post. I don't usually post in blogs but your blog forced me to. Awesome work! Thank you for sharing! Real estate Arizona
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W James Hadden Jr
Austin, TX - Texas, retired
Anyone who faces decisions about freely-supplied health care should watch the BBC series "Call the Midwife", which is available via Netflix.
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Shree
, CT,
In CT it is very hard to get the doctors to bill for preventative care. I went for a new patient well adult visit and till got billed for a new patient with major problems. The doctors billing office refuses to use the right codes. For a well adult visit i ended up paying 270 dollars.
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john
delhi, delhi,
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Valerie Friedman
Orlando, FL, looking for work
Our medical costs, after copays and insurance, for our family of 3 is 30K per year. This year my husband made $45K. You do the math. Beyond that, realize that preventive care catches things early that saves a lot of time and money LATER for the insurance companies, patients, and hospitals where the underinsured and uninsured go to get free medical care -- at the taxpayers' expense.
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Robin
, CO,
My kids and I have no insurance. I am 41 and have yet to have my baseline mammo. Kids and I only go to the doctor when it's basically an emergency. We haven't been to the dentist in years. When my son broke his thumb, we had to take a loan on my husband's ira to pay the doctors because they don't do payment plans for self-pay.
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Polly
The answer is that it doesn't cost less ..if you don't csiendor what the employer is paying. That's why so many people think COBRA is expensive. COBRA isn't expensive, it's just that when you continue your group plan under COBRA it's the same plan, at the same cost (plus maybe 2% for admin), but it seems expensive because your employer is no longer contributing.Individual plans ARE CHEAPER than group because you can be turned down. In group plans nobody can be turned down, so the cost to cover all the health problems escalates.The biggest mistake people make is assuming that their work coverage is more competitive without shopping. It's not uncommon, especially for young, health people, to be able to get cheaper plans on their own even when the employer is picking up half the cost.Finally, most small companies will just have their employees buy individual plans because it's a fraction of the cost .though either way it's always nicer when someone else is picking up the tab., The answer is that it doesn't cost less ..if you don't csiendor what the employer is paying. That's why so many people think COBRA is expensive. COBRA isn't expensive, it's just that when you continue your group plan under COBRA it's the same plan, at the same cost (plus maybe 2% for admin), but it seems expensive because your employer is no longer contributing.Individual plans ARE CHEAPER than group because you can be turned down. In group plans nobody can be turned down, so the cost to cover all the health problems escalates.The biggest mistake people make is assuming that their work coverage is more competitive without shopping. It's not uncommon, especially for young, health people, to be able to get cheaper plans on their own even when the employer is picking up half the cost.Finally, most small companies will just have their employees buy individual plans because it's a fraction of the cost .though either way it's always nicer when someone else is picking up the tab., The answer is that it doesn't cost less ..if you don't csiendor what the employer is paying. That's why so many people think COBRA is expensive. COBRA isn't expensive, it's just that when you continue your group plan under COBRA it's the same plan, at the same cost (plus maybe 2% for admin), but it seems expensive because your employer is no longer contributing.Individual plans ARE CHEAPER than group because you can be turned down. In group plans nobody can be turned down, so the cost to cover all the health problems escalates.The biggest mistake people make is assuming that their work coverage is more competitive without shopping. It's not uncommon, especially for young, health people, to be able to get cheaper plans on their own even when the employer is picking up half the cost.Finally, most small companies will just have their employees buy individual plans because it's a fraction of the cost .though either way it's always nicer when someone else is picking up the tab.
The answer is that it doesn't cost less ..if you don't csiendor what the employer is paying. That's why so many people think COBRA is expensive. COBRA isn't expensive, it's just that when you continue your group plan under COBRA it's the same plan, at the same cost (plus maybe 2% for admin), but it seems expensive because your employer is no longer contributing.Individual plans ARE CHEAPER than group because you can be turned down. In group plans nobody can be turned down, so the cost to cover all the health problems escalates.The biggest mistake people make is assuming that their work coverage is more competitive without shopping. It's not uncommon, especially for young, health people, to be able to get cheaper plans on their own even when the employer is picking up half the cost.Finally, most small companies will just have their employees buy individual plans because it's a fraction of the cost .though either way it's always nicer when someone else is picking up the tab.
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Brandilyn
We definitely need more smart people like you aorund., We definitely need more smart people like you aorund., We definitely need more smart people like you aorund.
We definitely need more smart people like you aorund.
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Gump
That's a smart way of looknig at the world., That's a smart way of looknig at the world., That's a smart way of looknig at the world.
That's a smart way of looknig at the world.
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Grupo
A lot of Americans seem to have the mistaken and urtltey silly notion that other nations have free health care. Nothing could be further from the truth, but some people don't want the facts. The costs of health care are rolled into much higher income tax and extremely high sales tax, to the extent that Americans would refuse to pay it., A lot of Americans seem to have the mistaken and urtltey silly notion that other nations have free health care. Nothing could be further from the truth, but some people don't want the facts. The costs of health care are rolled into much higher income tax and extremely high sales tax, to the extent that Americans would refuse to pay it., A lot of Americans seem to have the mistaken and urtltey silly notion that other nations have free health care. Nothing could be further from the truth, but some people don't want the facts. The costs of health care are rolled into much higher income tax and extremely high sales tax, to the extent that Americans would refuse to pay it.
A lot of Americans seem to have the mistaken and urtltey silly notion that other nations have free health care. Nothing could be further from the truth, but some people don't want the facts. The costs of health care are rolled into much higher income tax and extremely high sales tax, to the extent that Americans would refuse to pay it.
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