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It makes me think twice about going. Under the Affordable Care Act, marketplace plans are required to cover many preventive services, including an annual checkup, without charging consumers anything out-of-pocket.
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Beyond that, many marketplace plans cover some services before you reach your deductible — such as some primary care visits or generic drugs. But the likelihood of having a plan that offers to pay some portion of the cost of primary care before you reach your deductible rather than requiring you to pay percent of the cost until you hit that amount varies significantly, depending on whether you're in a bronze, silver or gold plan, according to a recent analysis by the Robert Wood Johnson Foundation.
In most cases, that means people owe a copayment or coinsurance charge for each visit until they reach their deductible.
A small number of plans offer a limited number of no-cost or low-cost visits first, and then people using more services either have to pay the full charge for each visit or must share at least part of the cost until the deductible is met. Only 38 percent of bronze plans offer any primary care coverage before the deductible, and generally patients still have to pay a copayment or coinsurance amount.
A smaller percentage of bronze plans offer limited visits at no cost or low cost before the deductible is met. The share of people who chose bronze plans grew from 23 percent in to 29 percent this year, says Katherine Hempstead , a senior policy adviser at the Robert Wood Johnson Foundation.
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While premiums are typically significantly lower in bronze plans than other "metal"-level plans, it can be worthwhile to check out how plans handle primary care services before the deductible, she says. Kaiser Health News , a nonprofit news service, is an editorially independent program of the Kaiser Family Foundation, and is not affiliated with Kaiser Permanente. Follow Michelle Andrews on Twitter: Since , we've been providing our customers with the pain management and physiotherapy supply products they depend on for health and well-being.
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