At Hess, we want you to get checkups now to avoid issues later. That’s why we offer several free preventive care benefits.
But I’m Not Sick
Exactly. And we want to keep it that way. So, make time to see your health care providers and get the right preventive care at every stage of life. It will help you and your family stay healthy and prevent potential health issues from becoming worse (and more expensive) down the road.
Hess Medical Plan
Covered at 100 percent without having to meet the deductible (in-network):
- Well child visits
- Annual adult physicals
- Age-appropriate screenings (such as mammograms and colonoscopies)
- Generic preventive retail & mail order prescription drugs
Covered at 100 percent, no deductible (in-network):
- Annual eye exam (once every 12 months)
Hess Dental Plan
Covered at 100 percent, no deductible (in-network or out-of-network):
- Two checkups within a 12-month period (must be six months apart)
Preventive Care Versus Diagnostic Care. What’s the Difference?
As explained in the Anthem Preventive Care Flyer, “Preventive care helps protect you from getting sick. If your doctor recommends you have services even though you have no symptoms, that’s preventive care. Diagnostic care is when you have symptoms and your doctor recommends services to determine what’s causing those symptoms.” So, keep in mind, if your doctor wants to investigate a health issue as a result of your annual physical, you may have to pay out of pocket for those diagnostic services.
Need to Find a Doctor or Dentist?
If you don’t have a primary care provider, you should get one. Having a doctor who knows your health history and can help coordinate your care is very important. It’s also important to use in network doctors so you get the care you need at the lowest cost.
KNOW THE CODE
Be sure to check that your provider codes your preventive services properly or services will be considered diagnostic, resulting in out of pocket charges.