Preventive Health

The Affordable Care Act (ACA) requires non-grandfathered health plans to provide 100 percent coverage for certain preventive services and immunizations provided by a network doctor or hospital. Cost-sharing requirements, such as copayments, deductibles or coinsurance, are prohibited for preventive health provided by a network healthcare provider. However, such health plans are not required to provide coverage for preventive services from non-network hospitals and doctors, and they may impose a cost-sharing requirement when the services are provided out of network. The provisions became effective for plan years beginning on or after Sept. 23, 2010.

Contraceptive Services
The ACA requires non-grandfathered health plans to provide in-network coverage for contraceptive services to women without cost sharing. The contraceptive services mandate became effective for plan years on or after Aug. 1, 2012. However, through a series of rules, certain employers are exempt. To learn about exemptions to the contraceptive services mandate, read "Contraceptive Services Mandate and Exemptions" below.

To learn more about preventive benefits, read:

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