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How Medical Insurance Covers Preventive And Diagnostic Care
There are many approaches to managing your healthcare. Two of the most important are preventive and diagnostic healthcare. Understanding the difference between the two can help you develop your healthcare strategy, manage your healthcare costs, and pick the best health insurance policy. Here are the differences between preventive healthcare and diagnostic healthcare.
What Is Preventive Medical Care?
Preventive care focuses on the prevention of injury and illness. Preventive healthcare assesses a person’s risk factors for health issues, even when there are no physical signs or symptoms. Preventive care also supports early diagnosis of medical conditions when there are more treatment options and higher survival rates. The best way to think about preventive care is to think of it as healthcare maintenance rather than treatment.
What Are Some Examples Of Preventive Medical Care?
There is a wide variety of preventive care services available from healthcare providers. These include:
Wellness visits/physicals
Immunizations
Blood pressure and diabetes testing
Screening for cancer
Health counseling for diet, exercise, and habits like tobacco and alcohol misuse
Blood panel screening
Preventive healthcare is also about choosing to live a healthy lifestyle. Staying physically active, eating nutritious foods, and getting enough sleep every night can all be considered part of preventive healthcare.
What Is Diagnostic Healthcare?
Diagnostic care, on the other hand, happens when symptoms are present. Patients usually go to the doctor because something is wrong. They may feel pain, dizziness, or nausea. The physician runs a series of medical tests to diagnose the source of the symptoms. Diagnostic care is what people typically think about when they think about visiting the doctor. It’s focused on diagnosing and treating a health problem.
What Are Some Examples Of Diagnostic Medical Care?
There are many types of diagnostic care. Most commonly, they are a series of tests that doctors use to help identify and understand the underlying causes of symptoms. The most common diagnostic care practices include:
Radiology like MRI, CT, Mammography, or X-Ray
Laboratory testing, like blood testing for urinalysis
Pathology testing like biopsies or genetic testing
Once a doctor has diagnosed the problem, they will begin medical treatment.
Why It Is Important To Know The Difference Between Preventative And Diagnostic Care
Understanding the differences between preventive care and diagnostic care is important for a number of reasons. First, it can help you develop your healthcare strategy. If you are at high risk for certain illnesses, getting screened regularly can help you avoid developing severe symptoms. Further, preventive care can help support diagnostic care and effective treatment when symptoms do arise.
Beyond just being important for your healthcare, understanding the difference can help you manage your health insurance. Preventive medical care is often entirely covered by insurance providers, and there are dozens of preventive care treatments included in your policy. While on the other hand, diagnostic services are not necessarily covered. Understanding what is covered and what is not will help you determine your healthcare insurance coverage and manage your healthcare costs for the year.
How Preventative And Diagnostic Care Overlap
Preventive care and diagnostic care often use the same clinical methods. For example, if a patient has never been diagnosed with high blood pressure, a routine blood pressure test may be preventive. However, if a patient has been diagnosed with high blood pressure, a regular blood pressure test will be considered diagnostic. How your insurance bills this test depends on your physician and insurance provider. So, make sure to talk to them about which category your medical screenings will fall under so you can manage your healthcare costs.
Health insurance is very complicated, and navigating your policy can be a challenge. However, if you understand things like the difference between preventive and diagnostic care, you’ll be able to get the care you need and meet your budget.
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