There are many changes to health care that have come and are coming from the Affordable Care Act. For example, if you are a young adult looking for health insurance, you can now be covered under your parent’s plan (if it covers children) until you turn 26 years old. (See here for more info.)
Another change that I was reminded about from this CNN Money article is that plans must cover “recommended preventive services” without charging a deductible, copayment, or coinsurance. In other words, it’s free as long as you visit an in-network provider. Something to consider if you’ve been putting them off due to cost.
The list of included preventive services is long and covers a variety of screenings, and also includes the cost of 10 vaccines recommended by the Centers for Disease Control and Prevention. Here is the list from CDC.gov. For adults, the CNN article highlighted the Influenza, Pneumococcal, Tetanus/Diphtheria/Pertussis, and Zoster (shingles) vaccines, but I see other familiar ones like Hepatitis A, so talk to your doctor. The required frequency varies from annually for the flu to once total for the shingles vaccine. A family member got shingles recently and it was not a pleasant experience.
There are some exemptions for existing plans, but as time progresses almost all plans should participate. From Healthcare.gov:
Unless noted otherwise below, the recommended services must be provided without cost-sharing when delivered by an in-network provider in the plan years (in the individual market, policy years) that begin on or after September 23, 2010. For recommendations that have been in effect for less than one year, plans and issuers will have one year from the effective date to comply.
By Jonathan Ping | Frugal Living | 7/19/11, 5:00am