Important: The Coronavirus Response Act has included the testing, diagnosis and treatment of COVID-19 in the list of “Essential Health Benefits” in federally-qualified health plans.
Most preventive care is “free” (no deductible) under qualified individual major medical insurance plans. These plans are available to you through the U-Haul Dealer Benefits Program on our national private health exchange during federal enrollment periods and meet both your state and federal requirements.
There are 22 preventive-care services provided specifically for women, listed by the editors of Health, including mammograms, cervical cancer screenings and well-woman visits. Other covered preventive care services include blood pressure, diabetes, depression and cholesterol screenings for adults, and vaccines and well visits for children. You pay nothing for these services – no deductible, copay or coinsurance under qualified individual medical plans.
Knowing preventive care is covered outside your plan’s deductible makes it more acceptable for most people to select a plan with a higher deductible to get your monthly premium cost down.
All qualified medical insurance plans include a package of essential benefits mandated by federal rules, over and above the existing benefit requirements of each state. Health insurers have revised their health plans and refiled them with state insurance authorities to include these new “Essential Health Benefits.”
All of the following benefit categories are now covered. Depending on the plan design you select, deductibles, copays and coinsurance still apply to all but preventive care.