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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?

Your Stories

William Smith, M.S.T.S.

, Catatonia - Downstate Illinois,

In terms of the issue of preventive medicine, I have the following comments:Briefly, I've learned the wisdom over time of staying out of the VA's primary care system in the Midwest and doing my preventive care myself. (Yes, I am a veteran.) This is for the following reasons: first, the intolerance and hate endemic to downstate Illinois and Iowa had seeped into the primary care I had received over a period of eleven years, which included, amongst other things, the false accusation that I'm a drunk when in fact I almost never imbibe alcohol; second, the VA health care system in the Midwest is almost entirely allopathically based: for every problem, they seem entirely too quick to prescribe medication instead of looking more closely at what a patient really needs - or wants, for that matter; and third, I have an M.S. in general Psychology and some additional training that is partly clinical in nature, and the VA in the Midwest just can't seem to wrap its mind around that little fact, leading to a demeaning experience when dealing with them.As a consequence, I have taken myself as much out of the VA health care system in the Midwest as much as possible and chosen to be responsible for my own preventive care - both medically and mentally. This means I pay attention to my own bodily cues about what I need to eat and when, that I get moderate physical exercise every day in one form or another. It means that I stimulate my mind as much as possible each and every day and pay acute attention to what stresses me at a given moment.It also means that, where I had not already done so, I've taken lessons from Toshimi A. Kayaki's (2010) book on the subject of 'green tea living' and adapted some of the things that she mentions (i.e., the uses of green tea, diet tips, etc.) to my own personal circumstances and have also simplified my lifestyle in some ways that she suggests.Finally, it means I pay attention to the spiritual aspects of my physical and mental health, something the VA in the Midwest just doesn't want to grok, I've found from personal experience. Instead of going round and round with them any more over this issue, I've found considerable wisdom in disengaging from a mindset that I had found to be profoundly psychologically distressing and, in doing so, have helped to improve both my physical and mental health. I've pulled the metaphorical plug on my TV set, as it were, and rarely watch anything but videos of my own personal choice on it, in the process getting rid of the attempts at persuasion found in TV commercials (better it is to be yourself than what TV commercials - and other people - want you to be instead). Moreover, I meditate every day at least twice and monitor my mental state constantly, getting rid of old habits when the need arises and replacing them with new ones.While I can list other things that I do, I feel the point has been made: if you want decent preventive care, learn to do it yourself, in the process paying attention to sound medical and mental health advice, as well as the spiritual aspects associated with such aspects of health.ReferenceKayaki, T.A. (2010). Green tea living: a Japan-inspired guide to eco-friendly habits, health, and happiness. Berkeley, CA: Stone Bridge Press.

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Elizabeth Brown

Pearland, TX, Self-employed

Preventive health services with no co-pays or deductibles mean to me a better quality of life all the way around. When practicing and using preventive health services, you have the ability to control your own destiny and give back to your family and your country as a contributing source without the many restrictions that may occur.  If  your health becomes bad and seriously bad the life quality of lifestyle you are used to enjoying is reduced and you may survive an onset condition and you may not. I am shopping for at this time for an affordable health care plan for myself because before I could not afford a plan because of pre-existing conditions. I am not eligible for total  or temporary-total disability but I cannot afford the plans as of today. A condition forced me into early retirement and I was left along to deal with impossible math...I am keeping the faith that I will find a way to supplement my income so I may enjoy my life as much as possible.  

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Sharon Moore

, New York,

Twenty years ago, when our son was 17, we grew alarmed about his behavior; he had a form of ADD. So we sent him to an adolescent psychologist, whom our insurance would not pay. Fortunately, my husband and I were both working, so by pulling in our belts we were able to cover the costs. What if we hadn't been? We wouldn't have known how to help him. He would have continued dressing like a homeless person with his unbrushed hair snarled up in a knot that someone said looked like another head. He would have been completely at the mercy of school friends -- a girl who led him around by the nose, into Central Park, NYC,  barefoot and ready to try anything offered, such as LSD (which he did, once); a boy who was suicidal and another who kept borrowing money from him without paying him back. Today, thanks to Obamacare, his therapist would be paid for -- and that analyst did him a lot of good! Now that I'm retired and on a fixed income, I'm very grateful for Medicare, the continuity of which the Affordable Care Act ensures. 

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Rolbert Kastigar

Chicago, Illinois, Retired

Birth control is not a medical issue.Many activities involve risk.Riding a bicycle involves risk, and wearing helmets is encouraged.  But we don't expect insurance companies to pay for the helmets for those who ride.Boating and canoeing involve risk, and wearing floating devices is encouraged, but we don't expect insurance companies to pay for these devices for boaters and canoeists.If I were to be offered health insurance that did not cover birth control,  I would buy it.  There would be less for the insurance company to pay out and this would leave more for the insurance company to pay for things I believed in.I am not against medicine that is paid for, for something else other than solely to provide birth control.  Legitimate health conditions that came about through no fault or activity of the insured.  Certainly the government should not pay for or require insurance to cover this risky activity.  Let those who want this "protection" seek out insurance that will pay for it.Bob KastigarIBEW Local 1220, Chicago

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Sonja Lasseter

Sarasota, Fla., Disabled for 10 yrs

I have been dealing with 2 chronic illness and multiple injuries due to an accident over 10 yrs ago. I have had to go without treatments and Doc visits due to lack of insurance or the lack of ability to pay co-pay. I will not be able to reap any of the benefits from the new healthcare changes,because the govenor of the great state of Florida choose to say no and turned down the funding offered by the federal government. He made this choice on his own without the voicee of this state! The government healthcare clinics are now closed! The state healthcare clinics are next,as is my medicaid and medicare! Not all of us will be included in this great healthcare offered thanks to President Obama. Namaste' Sonja

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Jenn

, NH,

I'm still not being helped by this.  The federal government still counts teeth, backs, feet, & drugs (dentistry, chiropractics, podiatrists) as 'optional' coverage.  After my parents took me to the dentist for all those years, wisdom teeth out as a teen to preserve the good albeit tight line my teeth had in alignment, my first full time permanent job had good dental coverage too ... I've been losing my teeth for the last 5-7 years.  There is no dental coverage mandated for adults in my state.  Instead of them paying for twice yearly exams, cleanings, and the occasional cavity that comes around, they opted to do nothing except pull a tooth that hurts.  Now half or more of my teeth are gone or rotting.  I'm still under 40.  I came from a decent family.  My stepfather was an engineer.  It is incomprehensible to me how badly services for the poor fail the people of this country.  About 2-3 years ago they cut out chiropractics too.  It doesn't seem to dawn on them how necessary this service is.  They must not have spent any time in bed groaning in pain trying to turn to find a position that doesn't hurt.  When there's extra money in the household it has to go towards maintaining the household.

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Kathleen Kreiselmeyer

Englewood, Colorado, Retired RN

 When our elderly Mother needed Medicaid in the state of Texas, the Governor had closed the Medicaid doors to all. My three brothers and I were able to pay for herplastic year and end of life care but were unsure how many others did so. Preventive and wellness with proactive care is missing in our country which contributes to the spiraling medicine based care given to us. How do we continue when there is little interest in our being well and not requiring so many services? As many of the citizens have no healthcare or minimal health care, it is in the country's best interest to provide wellness and preventive care at no cost from my perspective. Where will our elderly go? Where do low income go? 

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Ann faber

Cincinnati, Oh, Social worker

My friend 63 year old social worker has not been able to find a ftime time job so has no health insurance.was diagnosed with cancer and required to produce a cashiers check or 49,700 dollars prior to same day surgery. In addition, her chemo is costing 16,000 per treatment. That's the discounted price. My son has type I diabetes and can't get insurance. He has had13 Tia's, losing vision requiring frequent laser procedures, gastric paresis,diabetic diarrhea etc, etc. I am also a social worker, age 65 working to pay for his health care.

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Holly McKenzie

Las Vegas, NV, disabled

I have Parkinson's Disease and am Soc. Sec. Disability. I had my first ob/gyn exam in over 3 and a half years. I had no insurance while I was waiting to get my Medicare. I had no insurance for 3 years, and was thrilled finally to be able to get myself check out...I had the usual pap test, exam, mammogram, and my first bone density test. All of these were done free of charge! With my only income being Social Security, it was wonderful to be able to get these tests without having to pay a co-pay.  My doctor also told me that if my two level pap test came back negative (which it did), I wouldn't have to have another one for 5 years. When I had insurance through work, I had annual pap tests, which were a blatant waste of money as I had never had any irregular results. The way President Obama has made this free of charge has put my mind at ease, and I found out that I needlessly was having annual expensive tests!  Unfortunately, my daughter who is 23 has no access to health insurance and has to pay out of pocket for any of these exams. My wish is that she also could have birth control pills for free, as well as have necessary gynecological exams through Planned Parenthood since no doctor will see her w/o charging over $200 for the same exam and tests.  The best way to avoid unwanted pregnancies is to have free access to birth control. Her job doesn't provide health insurance, so she spends over $600/yr just for the pill. I would hope this change could be made as well.

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Bruce Cox

Brevard, NC, Retire educator

Now at age 76, earlier diagnosis re: lumbar area of back, would have warned me against shouldering 86 lb. bags of cement until I was 68...... which means I would not have the back pain and poor prognosis that now plagues my future.

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