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).

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