Understanding and using your insurance: Preventive care

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    Understanding and using your insurance: Preventive care

    Preventive care keeps you healthy, prevents illness and detects disease in the early stages –when it’s easier to treat. Here are suggested guidelines for screenings and checkups for healthy adults. Individuals with a family history of certain diseases and those with other risk factors should discuss preventive health measures with their primary care doctor. To receive these preventive services, make an appointment with your doctor and bring this checklist to talk about which screenings you may need.


    These services may be covered at no out of pocket cost to you when you visit a PCP in your health plan’s network. For complete benefit details, refer to your plan’s Individual Medical Policy.


    Healthy adult preventive healthcare guidelines

    Things to know

    Physical exam


    Exam should include measuring your weight, height, and body mass index (BMI). Talk to your doctor about your physical activity.

    Diabetes screening and tests

    Every 3 years, more if at risk

    If you have diabetes, these tests are recommended yearly: HbA1c test, LDL cholesterol, kidney test and retinal or dilated eye exam

    Blood pressure

    Periodically as directed by doctor; around 65 years or older

    May need frequent screening after a bone fracture or if you’re at high risk for osteoporosis

    Bone density screening for osteoporosis

    Every 2-4 years to age 64, then every 1-2 years after

    Eye exams for glaucoma and macular degeneration—to common age-related conditions.

    Flu Vaccination

    Annually for ages 6 months and older

    The flu vaccine protects against the influenza viruses that will be the most common during the upcoming flu season.


    Women only

    FrequencyThings to Know

    Every 1-2 years for women age 40 and up

    Younger women should follow their doctor’s recommendations. Talk to your doctor about clinical breast exams.

    Pap test and pelvic exam

    Every 3 years or more as doctor directs

    Talk to your doctor about your risks and which Pap testing schedule is best, especially if you’ve had a hysterectomy or are 65 or older.

    Human papillomavirus (HPV) vaccine

    3 doses for females age 11-12

    Talk to your child’s doctor about the vaccine, which protects against cancers caused by HPV infection.

    Men only

    FrequencyThings to know

    Prostate exam

    Determined by your doctor

    Talk to your doctor about your risks and which test and schedule is right for you. Exams include a digital rectal exam and a prostate-specific antigen test (PSA).