What are “preventive services” in health insurance?

Preventive services in health insurance refer specifically to medical services designed to prevent illness or to identify health issues at an early stage. This includes a range of activities such as vaccinations, screenings, annual check-ups, and counseling that help to maintain health and avoid more serious health problems down the line. These services are crucial because they focus on promoting health and wellness rather than solely treating illness.

They are often covered with no cost-sharing under many health plans to encourage individuals to take proactive steps towards their health. Preventive services play a vital role in public health by reducing the burden of diseases and promoting overall community health. Understanding the distinction between preventive services and other types of health services is important, as it highlights the proactive nature of preventive care versus the reactive nature of treatments for existing conditions or emergency interventions.