Prevention for the Ages: Make Sure Your Plan Covers These Procedures

In 2018, 91.5 percent of people in the United States had health insurance. A high rate of coverage is great because health insurance provides crucial benefits. Even if you’re healthy, you’ll want to take advantage of your coverage by getting key preventative and routine care. The most important procedures will depend on various factors, including your age. Make sure your health insurance plan covers the procedures you are likely to need.

Young Adults in Their 20s and 30s

  • Key tests: Blood pressure, weight and cholesterol levels should be checked.
  • STDs: Sexually active young adults should be screened for sexually transmitted diseases.
  • Moles: Skin should be examined for signs of skin cancer.
  • Women’s health: Women may need pelvic exams, Pap smears and cervical cancer screenings.
  • Immunizations: Vaccines, including an annual flu shot, are recommended.

Adults in Their 40s

  • Key tests: Blood pressure, weight and cholesterol levels should be checked.
  • Moles: Skin should be examined for signs of skin cancer.
  • Diabetes: People may be screened for diabetes and prediabetes.
  • Women’s health: Women may need pelvic exams, Pap smears and cervical cancer screenings, as well as mammograms.
  • Immunizations: Vaccines, including an annual flu shot, are recommended.

Adults in Their 50s and 60s

  • Key tests: Blood pressure, weight and cholesterol levels should be checked.
  • Osteoporosis: Screening for osteoporosis may be recommended.  
  • Moles: Skin should be examined for signs of skin cancer.
  • Diabetes: People may be screened for diabetes and prediabetes.
  • Men’s health: Men may need to be screened for prostate cancer.
  • Women’s health: Women may need pelvic exams, Pap smears and cervical cancer screenings, as well as mammograms.
  • Cancer: Additional cancer screenings, such as colorectal cancer screenings, may be recommended.
  • Immunizations: Vaccines, including an annual flu shot, are recommended.

This list is not exhaustive. Tell your doctor about any health issues or concerns you have. Based on your personal or family history, your doctor may recommend that tests be conducted earlier than normal, or your doctor may order additional tests. Additionally, some common procedures may not be appropriate for you. For example, some individuals should not receive standard immunizations due to other health issues.

Also talk to your doctor about screening and vaccine schedules. Some tests and vaccines are needed annually, while others are needed less often. Your personal medical history may also impact how frequently you need preventative and routine care.

Coverage Under Marketplace Plans

All health insurance plans purchased on the Health Insurance Marketplace must provide certain benefits, including many preventative services that must be provided without charging a copay.  However, coverage details vary from plan to plan, so it’s important to check your coverage carefully. Additionally, plans purchased outside the Marketplace may not offer the same benefits.

You may also need certain procedures that are not typically covered under health insurance, including vision and dental benefits. Although all Marketplace plans must offer dental coverage for children, this coverage is often excluded from other health insurance policies.  Consider purchasing a separate insurance policy to receive vision and dental coverage.

Need health insurance? Request a quote here.

Sources
  • https://www.census.gov/library/publications/2019/demo/p60-267.html

  • https://www.cdc.gov/ncbddd/childdevelopment/screening.html

  • https://www.cdc.gov/nceh/lead/prevention/blood-lead-levels.htm

  • https://www.cdc.gov/vaccines/schedules/hcp/imz/child-adolescent.html

  • https://www.cdc.gov/flu/prevent/vaccinations.htm

  • https://www.cdc.gov/vaccines/schedules/hcp/imz/adult.html

  • https://www.healthcare.gov/coverage/ccc

  • https://www.healthcare.gov/coverage/dental-coverage/

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