The short answer
The ACA requires non-grandfathered plans to cover USPSTF-recommended preventive services with no copay, deductible, or coinsurance — annual physicals, mammograms, colonoscopies, immunizations, contraception, and more. The most common problem is coding: the visit was billed as 'diagnostic' (a specific concern discussed) instead of preventive, triggering cost-sharing.
Frequently asked
- How do I dispute a preventive-turned-diagnostic bill?
- Ask the provider to review coding; request a corrected claim submission. Appeal with the insurer if the code was truly preventive.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
Upload your policy$3 per analysis · $9 for all 4 tools · No subscription