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

Blue Cross Health Insurance Quotes - 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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Blue Cross Health Insurance Quotes

Some health guarnatee plans consist of an each year wellness visit as part of their preventive care benefits. A wellness visit is regularly an each year physical. Typically, it is not covered by your copay unless the plan specifically states that it does. This is where habitancy get into problems. They don't know that there is a difference between 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 guarnatee plan covers.

Of course, the guarnatee firm wants to make sure that you stay healthy. It is good for you to get the corporeal because many times, some abnormality if caught early can save time, money, and maybe 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 specific 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 opinion 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 high-priced diagnostic policy done, make sure that you know first, is it de facto necessary, and second, who is going to pay for it? A call to your guarnatee company, even while you are there at the doctor's office, can give you the rejoinder 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 guarnatee firm to get a ruling first. The 800 amount on your guarnatee card is the place to start.

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