What is "preventive care" in health insurance?

Preventive care in health insurance refers to routine services that are provided without any cost-sharing, such as deductibles, copayments, or coinsurance. These services are designed to help in the early detection and prevention of health issues before they develop into more serious conditions. Examples of preventive care include vaccinations, screenings (like mammograms or colonoscopies), and annual check-ups.

By covering preventive care at no additional cost, health insurance encourages individuals to seek these services regularly, which can lead to early diagnosis and treatment, ultimately improving health outcomes and reducing the overall cost of care over time. This approach aligns with public health principles aimed at promoting wellness and preventing disease.

The other options do not accurately represent the definition of preventive care. Some suggest that certain services are only covered after high deductibles or require prior authorization, which are not characteristics of preventive care intended to be accessible to everyone at no upfront cost.