The Affordable Healthcare Act and how it effects you!

January 1st, 2014 marked the start of many new policies written in the Affordable Healthcare Act that we wanted to make sure you are aware of.

Birth Control Coverage: If your health plan either started, or renewed after the first of the year (and is not considered a “grandfathered plan”), you are currently covered 100% for any birth control method of your choosing (http://www.hrsa.gov/womensguidelines/). This means that many expensive options that were once out of reach are now available to you. Be sure you talk to either Dr. Bianco or Melinda Poland N.P. at your visit today about your new options if you have not yet.

Preventative Care: From January 1st all preventative care is covered 100%. The term “preventative” means that it falls in the categories of well-woman visits, HPV testing,      STD/STI testing, contraception counseling, breastfeeding support, and screening or counseling for interpersonal and domestic violence. We recommend that anything outside of one of these categories gets saved for another visit. We have seen insurance companies that have not paid for the preventative care because of other issues being addressed at the same visit. If you choose to proceed with addressing other issues at your annual exam, we will still bill it separate from your preventative care and it will go to your deductible and co-insurance.

Understanding your coverage: If you are seen for anything other than the preventative care listed above, understand that your insurance will have you pay for the cost in full until your deductible is met. Once you meet your deductible and are covered under a co-insurance amount, you will owe the percentage of whatever else is billed until you meet your total out of pocket. This is the only other time you will be covered at 100% other than the preventative care. We may know this information, but it is not guaranteed, and it is your responsibility to be aware of your plan coverage.

Plans we do not accept: The Affordable Healthcare plans are different from private insurance plans even though they are all administrated by the same companies. As of now there is only one plan (Humana X) that we are not taking. If you have this plan, or any other plan administered by Humana through the Colorado Exchange, please let us know right away. You are responsible for any fees that are incurred because of lack of notification.

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