HHS has released interim guidelines on the preventive care benefit that is part of Obamacrap. According to a memo released by Cigna health insurance the following apply.
Under the regulations, plans must cover without copay, coinsurance or deductible – certain preventive services that have “strong scientific evidence of their health benefits.”
Grandfathered plans are exempt for as long as they remain grandfathered.
Non-grandfathered plans (i.e., plans either not in effect on 3/23/10 or that made changes since then resulting in loss of grandfathered status) must comply with the no-cost-sharing requirement beginning with the first plan year on or after September 23, 2010.
Preventive services are to be covered without any cost-sharing requirement when delivered by a network provider.
Employers and insurers are not required to provide coverage for recommended preventive services delivered by an out-of-network provider or may impose cost-sharing for recommended preventive services delivered by an out-of-network health care provider.
If a guideline for a recommended preventive service does not specify the frequency, method, treatment, or setting for the service, the plan or issuer may use "reasonable medical management techniques" to determine any coverage limitations on the service.
The list of covered preventive services includes, but is not limited to:
Breast cancer and cervical cancer screenings
Colon cancer screenings
Screening for vitamin deficiencies during pregnancy
Screenings for diabetes, high cholesterol and high blood pressure
Routine childhood immunizations
Hearing & vision screening as well as obesity screening and counseling
At Georgia Insurance Shop we are proud to offer affordable health insurance plans from carriers such as Cigna.
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