Prevention is said to be the best medicine, even better than a cure; and as we’ve been told time and again, prevention pays. This is clearly the reasoning behind the health law’s new provision that aims to eliminate financial barriers to preventive services like mammograms and diabetes testing. Health and Human Services Secretary Kathleen Sebelius has said that Americans use preventive services at only about half the recommended rate; studies find that minorities and the poor are far more likely to be barred from these services by high out-of-pocket costs.
The new provision, which went into effect on September 23, requires that insurers provide 45 preventive services to beneficiaries without charging co-pays or deductibles. For now it applies only to new group and individual policies. Many health plans are “grandfathered” in; meaning that that they are exempt from the requirement until they make significant changes to their policies—something that most insurers will likely do before 2013. Medicare and Medicaid plans will have to remove deductibles and co-pays for the designated preventive services by 2011.
HSS estimates that in the coming year some 31 million people in new employer plans and 10 million people in new individual plans will benefit from the prevention provisions under the Affordable Care Act. By 2013, HHS expects some 88 million Americans will see their access to prevention coverage improve.
Continue reading →