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
Kim
, OR,
My health insurance coverage switched to HEM Health Engagement Model in January 2012. What I didn't realize at the time was that a third party assessment of my lifestyle "risk factors" would automatically change my premiums and copays. I had been paying $10 copay per pack of birth control every month for years on my health insurance, but then when I went to the pharmacy in January to pick up my prescription, the bill copay rang up to $80. I didn't have $80, I had the $10 I had budgeted out. Long story short, I walked away from the pharmacy without the prescription due to lack of funds, and within two months I discovered I was pregnant. I experienced every emotion in the book as I decided what choice I would make about the future of my pregnancy, not the least of which was anger with my health insurance company for increasing my copay an astronomical amount due to some risk factors that were determined based upon a review of my medical records. Still to this day I have no idea what those risk factors are and don't know what I need to do to change them in order to reduce my copays. I have tried calling the health insurance company but I just keep getting the same generic responses without much tangible help. Affordable and transparent health insurance copays for prevention-based health care are CRUCIAL.
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Bea
, Florida,
For the first time in about 2-3 years, I don't have anxiety about co-pays. I went through this before years ago and just in time, my GYN found abnormal cells. My daughter is covered under my insurance. Unfortunately, my grandson is not so I will be shopping for a plan for him because my daughter is between jobs and school. I am very grateful to President Obama and his stedfastness and willingness to expend some of his political capital to get this bill done. My oldest daughter was able to stay on my insurance until age 26. She got dropped before she turned 27! Other than that, I am thankful that now I can get my regularly scheduled wellness checkups and have it covered. Because of that I have even been able, per my PCP to get treatment for chronic knee problems through a physical therapy/weight loss program. My knees are responding due to the weight loss. The Affordable Care Act or as the republicans negatively try to spin it, Obamacare IS THE BOMB DIGGITY and I will fight against anyone or any system who tries to REPEAL IT!
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Connie Briggs
Abington, PA,
Getting preventive care with no copays or deductibles means that people can afford testing for disorders before they get very sick. Screening for diabetes, high blood pressure, kidney, heart and thyroid problems can allow people to prevent or manage illness. I pay $6,400 per year (with $5,000 deductible) for my individual health plan through Independence Blue Cross (IBC). IBC will only offer me this single comprehensive plan (because of hip replacements) and can price it very high and increase it 10% per year. I can't afford to see other doctors and specialists. I can only afford preventive care tests at no additional charge. I am waiting for list of covered preventive tests to include skin cancer screening, and checkups for my hip replacements every 5 years or so.I don't understand why insurers are not on board to help people prevent disease, but try to make it hard for people to know about and get preventive care. Independence Blue Cross makes its medical coding for preventive care so complicated that doctors and billing offices get so confused that they incorrectly bill patients, when patients should not have to pay. Busy patients probably pay the $50 or hundreds of dollars they are incorrectly billed. I was billed almost $400 in 2011, but fought it and won. Then in 2012, I have been billed $53 and am fighting it. Many other people don't have the time or righteous indignation to fight charges for it as I do. My insurer justified a 10% increase for 2011 because it said it had to provide preventive care. So I paid for this and expect to get it by law.More work needs to be done to convince insurers that preventive care saves them money, since money is all they care about, even my nonprofit IBC.More work needs to be done to add more tests to preventive care lists.More work needs to be done to help make the medical coding and other parts of the preventive care program efficient and less confusing for doctors, billers, and patients.But when it works, preventive care is a good idea and has helped me lower my cholesterol, blood pressure, and blood sugar before I get sick. I hope the program is not impeded because insurers want higher profits instead of healthier subscribers.
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Tammy Baugh
Bloomington, Indiana, Unemployed
What it means to me? What I don't like, someone else in control of me. Seriously, how are we ever going to realisticly expect anything for nothing? If it's there there will be a price to pay. And I figure the value of the price may by far outweigh it's benefit. I am not so dumb. And I know we are to trust, though there are some you cannot trust. The goverment is one not to trust.
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Robin Flowers
Reading, Pa., Retired Senior
If it wasn't for the HealthCare Services I wouldn't have been able to get theTreatments I so badly needed. I was bleeding for four months, without Insurance I couldn't get the Colonoscopy Needed, I couldn't have received Shots I haven't gottenFor Many Yearsfor My failing Health. Wouldn't have been able to get Hospital CareFor Mammograms, Ultrsounds, Colonoscopy and Xrays for Compressed Spinal Fracture.Thanks to Health Care being Affordable I could take take of Many Problems that would Have escalated to much Bigger Problems with My health. I Apreciate the Help Greatly. Robin Flowers
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Michael E. Bailey
Mission Viejo, California,
Preventive care services mean to me being able to spot cancer or heart or blood vessel problems at an early stage when they are much easier to treat and the cost of treatment is far less. Early treatment has the best chance for success and interventions are less invasive. This is a great thing for me personally.I am also Vice Chairman of Area Disabilities Board 11 in Orange County, California, and I can tell you that these preventive services are very much appreciated by Orange County's disability community. They have helped the clients we serve lead healthier, fuller, more independent lives. And being able to live lives of inclusion and as independently as possible in the community is what California's Lanterman Act has been all about. The disability community, which I am a member, really appreciates these services and are very glad that they are available.
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Helen Levin
Staten Island, NY, retired
I fully subscribe to preventive care, particularly as an individual who takes responsibility for my health.However, despite the fact that I am an older person who receives Medicare, my physician, whois an alternative/complementary MD, does not take Medicare payments. He requires full payment incash and he is rather expensive. And since I do not like to go to allopathic medical doctors, I find myselfmaking sacrifices financially to see him. It would be great if in the United States our alternative doctorsreceived the respect and inclusion in the accepted protocols of Medicare! THE FACT THAT THEY DON'T IS THE PROBLEM. For instance, if Medicare and the FDA accepted the practice of IV drips of vitamin C, etc., then our doctors would be paid! It is a matter of practice.But no! Big"pharm" and their practices of using only patentable (i.e. lucrative products) + their enormous influence on the FDA (interlocking directorates?) and Medicare is wreaking havoc here. Good medical practices and preventions is being destroyed before it is even born in the US, and preventive medicine and holistic care are barely available unless we pay dearly, as I do.
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MichelleK Mondragon
Denver, CO, unemployed
As a state employee I'd always had my family enrolled in a co-pay HMO. But when the industry began to change, so did he insurancce benefits.. My eldest son graduated from college and found a great job with an internet carrier. Within 18 months, his job had been shipped to India. Other jobs he had, he paid high prices for his insurance, now he and his girlfriend are wihout any.The service industry at the college I worked at was going private - buy-outs were upcoming or you could stay and start over again. I had 17 years. I chose to go on with my education and attended an out of state college, with COBRA coverage, for my youngest and myself, only. Soon we found ourselves without a COBRA option, so added a school insurance policy - it was too high, and we never used it, as the Health Center at school provided normal visits for me, so I never renewed it.The state offered a Medicaid partial insurance for my son - Peach Care for Kids. It was great, my son had his own doctors and dentists, and I paid a reasonable price for the insurance. The clinic serviced my needs and PC had our back, with my youngest son.It's five years later now and a few months ago I jgraduated from with my graduate degree. However I now find myself without any form of medical treatment; and I have no abiity to pay for any type of treatment, due to unemployment. My daughter and her children are on Medicaid, due to her unemployment (their dad had them on his plan until he lost his job). My eldest son and family have insurance for their young son only; he works a part-time job (unemployed for 6 mo before the part-time job) and she works a full time job, in a factory. My son has a BA. And years of work in various trades.My youngest has no insurance; he works one full time and one part time job, just to make ends meet. He's been without insurance since he was 18 years old. None of his employers carry health insurance.We are all part of the 47%, we don't want to be dependent on the government, and prior to this spirial downfall we've never asked for Medicare for our children. But the moves made by 'others' has left us dependent, but we only do this for our children's sake. We'd all like to have our full time jobs back, work hard and come home to healthy and happy families, at the end of the day. We want a more responsible society, where everyone works at getting 'us' out of the hole of despair (unemployment) and back to paying for our own health care needs (employee benefits).
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Mella Gregg
Hedgesville, WV West Virginia, Registered Nurse
I was a student, away from home and in college. There was a Planned Parenthood on campus. One day, I started hemorrhaging. I went to the clinic and they sent me straight to the hospital. If it wasn't for them, I probably would have had a lot more problems than I did. They also gave birth control on campus. This allowed me to finish my education and eventually become an RN. Many unwanted pregnancies were prevented. As far as I'm concerned, that is taking responsibility.
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Mella Gregg
Hedgesville, WV West Virginia, Registered Nurse
I was a student, away from home and in college. There was a Planned Parenthood on campus. One day, I started hemorrhaging. I went to the clinic and they sent me straight to the hospital. If it wasn't for them, I probably would have had a lot more problems than I did. They also gave birth control on campus. This allowed me to finish my education and eventually become an RN. Many unwanted pregnancies were prevented. As far as I'm concerned, that is taking responsibility.
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