Answer to healthcare reform questions

We understand you have some questions, so we thought we’d give you some answers. Here are a few you might find interesting.

What types of preventive care could health insurance help pay for?

A. Shots for children, like flu shots.

B. Shots for adults, like tetanus shots.

C. Lab work to test for things like strep throat.

D. Screenings for conditions like diabetes.

E. All of the above.

Good news! The answer is E.

All the above is true. Under the Affordable Care Act new policies – including those through your employer – must cover the cost of preventive care for infants, children and adolescents, including immunizations, annual exams, developmental assessments, hearing and vision screenings, and more. Insurers must also cover the cost of vaccinations and screenings for men and women, including cholesterol, blood pressure, and sexually transmitted diseases. Women receive eight additional preventive services, such as well-woman check-ups and screenings for cancer, such as mammograms and Pap tests with no cost-sharing.

With insurance you don't need to worry about paying any doctor’s fees when it’s time to annual physicals or vaccinations.

Health insurance helps make unexpected medical treatment more affordable.

True or False?

The correct answer is True.

That's a main reason why individuals and families choose to have health coverage. You never know when someone in your family will need emergency care, an X-ray or maybe even surgery. Without the coverage of a health plan, the costs of unexpected treatment can cost hundreds or thousands of dollars. With health coverage, your costs could be significantly less.

How could my family’s health improve as a result of having health insurance?

A. Individuals and family members are more likely to visit a doctor when they're sick.

B. Prompt doctor visits prevent a condition from worsening.

C. Family members are better able to maintain a healthy lifestyle.

D. All of the above.

The correct answer is D, all of the above.

Individuals and families with health coverage may be more likely to see a doctor sooner when someone gets sick than families who lack coverage. With health coverage, you'll know in advance how much the office visit will cost - there may or may not be a copayment when you see a physician in your plans's network of providers, depending on your plan. If health coverage does encourage you to get treatment sooner, it may keep a condition from getting worse. And when you visit the doctor more often, you learn ways to live a healthier lifestyle.

From the shots that doctors recommend all children should have, to screenings for various conditions, to emergency room visits, having health coverage makes a difference in the health and overall well-being of you and your family.

GCHHTDUEN

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This information is only a high-level summary of certain provisions of the health care law. This information does NOT attempt to summarize all provisions of the health care reform law. This information is not and should NOT be used as legal or tax advice; it should not be used as a basis for decisions regarding how the health care reform law will affect you and/or your business. Should you have any questions on how the health care reform law (including the high level summary of certain provisions of health care reform) will affect you and/or your business, you should seek professional advice from attorneys or other advisors.

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For Arizona residents: Insured by Humana Insurance Company. For Texas residents: Insured by Humana Insurance Company or offered by Humana Health Plan of Texas, Inc.

Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker.