A Sickness Visit Compared With a Wellness Or Preventive Care Visit - What is the Difference?

Health Care Reform Bill Summary - A Sickness Visit Compared With a Wellness Or Preventive Care Visit - What is the Difference?

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Wellness visit:

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Health Care Reform Bill Summary

Some health insurance plans consist of an each year wellness visit as part of their preventive care benefits. A wellness visit is commonly an each year physical. Typically, it is not covered by your copay unless the plan specifically states that it does. This is where people get into problems. They don't know that there is a unlikeness in the middle of a wellness visit and a sickness visit. Consequently, they end up having to pay 0 to 0 for the wellness visit. Don't rely on your doctor to give you a heads up...they don't know what your insurance plan covers.

Of course, the insurance company wants to make sure that you stay healthy. It is good for you to get the physical because many times, some abnormality if caught early can save time, money, and possibly your life. They want to catch changes in your health early because it could potentially cost them less in claims.

Sickness visit:

A sickness visit is covered by your copay. If you wake up one morning and have a sore throat or the flu, you may feel that you need to see the doctor. Since you are sick, this should be covered by your copay.

You must be truthful here, too. The sickness visit copay only covers "what the doctor says, not what he does." For example,the consultation is covered by the copay, but if he draws blood, or does other tests, it may or may not be covered...usually it is not covered. Insured clients are distressed when they receive a bill showing that they owe more money when all the time, they conception that they were just spending or as the copay. If you aren't sure, ask while you are there at the doctor's office.

If the doctor suggests that you get an Mri, Ct exam or some other costly diagnostic course done, make sure that you know first, is it well necessary, and second, who is going to pay for it? A call to your insurance company, even while you are there at the doctor's office, can give you the acknowledge to that question.

In summary, make sure you know whether you are allowed one preventive, wellness visit per year. Is it covered by your copay? Is it part of your plan? Also make sure that if you visit a doctor because of a sickness, whether the tests he is suggesting is covered by the copay. (Usually it isn't, but you can confirm this by calling your insurance company to get a ruling first. The 800 number on your insurance card is the place to start.

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