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Life Hack: How to Get Tested Without Flushing Money Down the Drain

Finally, Get Those Regular Screenings – At No Cost!

“If it’s free, it’s for me.”

I remember hearing my grandfather’s mantra regularly as a kid. We all love “free.” Have you ever been to Costco on a Saturday? People enjoy a free lunch from just the samples. I’ve bought beauty and skincare products just to get the free tote.

Now think about those “regular screenings” your doctor keeps telling you to get every year, which you keep putting off? You use the excuse that the tests cost too much, or that you don’t have the time.

It’s up to you to find the time to prioritize your health – but what if I told you that you could get those “regular screenings” at no cost? That’s one less excuse, right?

Sound too good to be true?

It’s not!

Here’s a secret many insurance companies haven’t told you…

Due to sweeping changes to health care laws, many preventive services are now offered at no cost to consumers. These preventive screenings are fully covered under Medicare Part B, as long as they are provided by a Medicare-approved provider and/or facility.

That means you – the Medicare beneficiary – can access nearly two dozen screenings, counselings, and tests….and pay nothing!

Zero. Zilch. Nada.


Prevention = Fewer health issues later on = Saving more money on future health costs = A happier, healthier you!

(And let’s be honest, a healthier you means big savings for insurance companies, too)

Thanks to modern medicine, we know that prevention and early detection are key to living longer, healthier, more fulfilling lives. So get peace of mind and get healthier by taking advantage of the services offered to you at no additional cost through your Medicare Supplement plan!

Even if you’ve been putting off these screenings for years, it’s not too late to begin taking control of your health today!

Some of the services offered at no cost (meaning no co-pay, no deductible, no out of pocket costs) include:

  • Annual “Wellness” visit and physical with Health Risk Assessment (includes review of medical and family history, updating of other medical providers and prescribed drugs, body measurements, cognitive impairment detection, and more)
  • Bone mass and bone density measurements
  • Cancer screenings such as cervical & vaginal cancer, prostate cancer, lung cancer, and colorectal cancer
  • Cardiovascular disease behavioral therapy (includes discussion of aspirin use, blood pressure check, and nutritional information)
  • Counseling and screenings for smoking cessation, alcohol misuse, and obesity
  • Depression screenings
  • Diabetes screenings and self-management training
  • Glaucoma screenings
  • Mammograms
  • Nutrition services
  • One-time “Welcome to Medicare” preventive visit within the first year of enrolling in Part B (includes review of medical history, education about other covered preventive services, body measurements, simple vision test, and more)
  • Testing for Hepatitis C, HIV, and sexually transmitted infections/diseases (STIs/STDs)
  • Vaccinations (Flu shot, Hepatitis B shot, Pneumococcal shot)

A Few More Insider Tips

Always double check with your provider when scheduling an appointment, reminding them that the service should be considered preventive and there should be no out of pocket cost to you..

If your doctor sends you to another provider or testing center for a procedure, confirm cost with that new location as well. Sometimes, an error in billing by the staff can result in you having to shell out hundreds of dollars.

It is important to note that some services are only covered for people considered “at risk.” For example, if you’re not a tobacco user or don’t have a family history of abdominal aortic aneurysms, you likely won’t be able to receive abdominal aortic aneurysm screenings at no cost. Discuss your health risks and needs with your physicians.

Of course, if the service becomes diagnostic in nature (i.e. you are experiencing symptoms or they find a result they need to investigate further), it is no longer “preventive” and out of pocket costs may apply. For example, while annual mammograms are covered, if a lump is detected and a biopsy is needed, the procedure has now switched from preventive to diagnostic.

If you have more questions about preventive services or would like to find out if a procedure is covered, call My Medicare Partners, and I or one of our licensed Medicare Agents will be happy to assist you.

Take control of your health while saving money. Sounds like a win-win to me!

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