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Receiving preventive care as recommended by your medical provider and health care experts is an important step in managing your health. Some preventive care services are available to all Michiganders at no-cost.
Preventive health care services generally include routine health care services meant to screen for and help identify health issues before symptoms develop.
Testing and treatment you receive because you are experiencing signs and symptoms of an existing condition, illness, or injury are referred to as diagnostic and not considered preventive care.
Most major medical health insurance plans must cover no-cost preventive care and wellness services, which means you will not have any out-of-pocket expenses such as copayments, coinsurance, or be required to meet your deductible for qualifying services. This coverage is not required for short-term limited duration policies, limited benefit plans, or grandfathered health plans. To verify if your plan covers no-cost preventive services consult with your insurance company.
Generally, you must see an in-network medical provider to obtain no-cost preventive care services. It is also important to note that no-cost coverage does not include follow-up services for health concerns identified due to receiving preventive care services.
Qualifying preventive care services vary for adults and children. Here are a few common examples:
Adults |
Children |
|---|---|
|
Screenings for:
|
Screenings for:
|
|
Screenings for certain cancers including:
|
Well-baby and well-child visits |
|
Immunizations |
Immunizations |
Please note the above is not an all-inclusive list of no-cost preventive services available. For a more comprehensive list, visit the Healthcare.gov website or contact your health insurance company for a list of no-cost preventive services available to you.
Discuss with your medical provider what preventive services might be appropriate for you. You should always confirm coverage with your insurance company before receiving services.
The Michigan Department of Insurance and Financial Services (DIFS) can help you with health insurance questions and complaints. Contact DIFS Monday through Friday from 8 a.m. to 5 p.m. at 877-999-6442 or visit the DIFS website to file a complaint at Michigan.gov/DIFScomplaints.
