Skipping free preventive care leaves money and health on the table. Enter the value of an annual physical, screenings, vaccines, and dental cleanings to see what you should be using each year at no cost.
Sample input: Annual physical value ($): 300, Recommended screenings value ($): 400, Vaccines value ($): 200, Dental cleanings value ($): 300
Annual free preventive-care value: 1200 (A lot of free value to claim)
You have about $1,200 of preventive care that most plans cover at $0 in-network each year — an annual physical, recommended screenings, vaccines, and dental cleanings. Using it is free money, and early detection can prevent far costlier problems later.
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Under the Affordable Care Act, most plans must cover a list of recommended preventive services with no copay, coinsurance, or deductible when you use an in-network provider. See the preventive-services list on HealthCare.gov to confirm what your plan covers at no cost.
Common examples include an annual wellness visit, blood-pressure and cholesterol screening, many cancer screenings, immunizations, and (on dental plans) routine cleanings. The exact covered list is set by federal guidelines and updated periodically (HealthCare.gov).
If your doctor diagnoses or treats a problem during a preventive visit, that part may be billed as diagnostic care with normal cost-sharing. Going out-of-network can also trigger charges. Ask in advance how a visit will be coded.
Beyond the free value itself, screenings catch conditions like high blood pressure, diabetes, and some cancers early, when they are cheaper and easier to treat. Prevention is one of the highest-return health and financial moves you can make.