Regulation on the reform of health care Unclear confuse patients and insurance providers

Regulation on the reform of health care Unclear confuse patients and insurance providers -

A provision in the reform of health care made free preventive services for consumers - which means that there are no co-insurance or deductibles at the time of service. But there is still some confusion about what should be considered a preventive service and when the visits become real treatment for a condition.

The Department of Health and Human Services (HHS) will produce a complete list of covered services, but the lack of clarity is confounding doctors and health insurance companies in other ways.

Kaiser Health News reports on the question of when projections for a colonoscopy will be considered a preventive service in relation to a procedure. For example, a doctor may decide to take action at the same time as a preventative test, which becomes the appointment in a procedure or therapy visit. Then consumers will pay for the visit because it was more than just a preventive screening - leaving consumers confused about why they pay for what they saw as free preventive care.

While the health care industry demand HHS to clarify the rules and the implementation of free preventive services, some health insurance companies have decided to cover the therapeutic visits that occur together with the preventive treatment.

Currently Aetna, CIGNA, Humana, Anthem, Regence BlueShield and health of the group are not the implementation of cost sharing with consumers if services go beyond preventive care. In this case, Medicare requires cost sharing with the elderly that may come as a surprise to many seniors.

All consumers who see the cost of a preventive visit should contact their health insurance company when an application is filed to ensure that there are no errors.

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