8/21/2025
Preventive Care: What’s Covered & Why It Matters
Preventive care is one of the smartest ways to protect your health—and your wallet. By catching potential issues early, you can avoid costly treatments down the road.
The best part? Most health insurance plans cover preventive care at 100%, meaning no copay, no deductible, and no surprise bills—when you use an in-network provider.
What’s Typically Covered
Preventive services often include:
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Screenings – Blood pressure, cholesterol, mammograms, colonoscopies
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Immunizations – Flu shots, routine vaccines, and other recommended immunizations
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Counseling – Smoking cessation, weight loss, and mental health resources
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Well-child visits – Regular pediatric checkups to track growth and development
What’s Not Always Covered as Preventive
It’s important to note that not every screening is considered preventive under your plan. For example:
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Lung cancer screening is often classified as diagnostic, not preventive
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If you have symptoms or a known condition, testing may be billed differently—even during a “routine” visit
Why This Matters
Even a small misunderstanding can lead to unexpected bills. Knowing what’s covered—and how your plan defines preventive care—helps you make the most of your benefits.
💬 Need help? If you’re unsure about what’s covered under your plan, I can help you review your benefits so you avoid unnecessary costs.
📞 Call or text 716-503-1113