Which preventive services must be provided without cost-sharing?


Issue:

Your group health plan currently covers certain preventive services without imposing cost-sharing requirements on employees. But you are not sure whether your plan covers all the preventive services required by the health care reform laws. Which preventive services must be covered?

Answer:    

Group health plans and health insurance issuers offering group or individual health insurance coverage must provide benefits for and prohibit the imposition of cost-sharing requirements for:

  • Evidence-based items or services that have in effect a rating of A or B in the current recommendations of the United States Preventive Services Task Force with respect to the individual involved. Services with a rating of A or B include screening and counseling to reduce alcohol misuse; aspirin therapy for certain men age 45-79 years and women age 55 to 79 years; assorted pregnancy-care screenings; and screening for depression, cholesterol abnormalities, anemia, hypothyroidism, obesity, colorectal cancer, tobacco use, and visual acuity in children.
  • Immunizations for routine use, as provided on the Immunization Schedules of the Centers for Disease Control and Prevention, that have "in effect" a recommendation from the Advisory Committee on Immunization Practices of the Centers for Disease Control and Prevention (CDC). A recommendation is "in effect" if it has been adopted by the Director of the CDC.
  • Certain preventive care and screenings for infants, children and adolescents, as set forth in guidelines supported by the Health Resources and Services Administration (HRSA).
  • Other preventive care and screenings for women in guidelines supported by the HRSA.

Cost-sharing requirements. Note that if a recommended preventive service (RPS) is billed separately from an office visit, then cost-sharing requirements for the office visit may be imposed. If an RPS is not billed separately and the primary purpose of the visit is the delivery of a preventive item or service, then cost-sharing requirements may not be imposed. If an RPS is not billed separately but the primary purpose of the office visit is not the delivery of a preventive item or service, then cost-sharing requirements may be imposed.

Source:  75 FR 41726, July 19, 2010.

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