ACA Protects Patients from Hidden PPE Costs During Annual Physicals
Every American deserves access to affordable, comprehensive healthcare. The Affordable Care Act (ACA) ensures that individuals can receive preventive services like annual physicals without being burdened by unexpected costs. Personal protective equipment (PPE) is an essential component of preventive care during the ongoing COVID-19 pandemic.
What the ACA Says About PPE
The ACA requires health insurance plans to cover preventive services without cost-sharing (like deductibles or copayments). This includes annual physical exams and certain screenings. PPE is considered a necessary part of preventive care, especially during a pandemic.
When PPE Costs are Covered
Health insurance plans must cover the cost of PPE used during annual physicals. This includes masks, gloves, gowns, and other protective gear. Providers are not allowed to bill patients or insurance companies separately for PPE unless it is not covered by the plan.
What to Do if You’re Denied Coverage
If your insurance company denies coverage for PPE used during your annual physical, you have several options:
Contact your insurance company directly: Explain that PPE is a necessary part of preventive care and should be covered without cost-sharing.
Appeal the denial: If your insurance company refuses to cover the cost of PPE, you can file an appeal.
Seek help from a licensed insurance agent: A qualified insurance agent can advocate for you and help you understand your rights under the ACA.
Report the provider to your state insurance department: If the provider is billing separately for PPE that should be covered by insurance, you can file a complaint with your state’s insurance department.
Remember, you have the right to receive preventive services, including annual physicals, without hidden costs. If you are denied coverage for PPE, don’t hesitate to seek help.
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