The correct answer to this question is C, Preventive services, and screenings. High Deductible Health Plans are also known as consumer-directed health plans. By law, these plans are required to cover preventive services. Examples of these services include vaccinations and counseling. They are also required to cover screenings, such as for cancer or other diseases.
Most small businesses use these High Deductible Health Plans. As the name suggests, the plan will have a high deductible, but a low premium. These plans usually come equipped with health savings accounts, known as HSAs and the money in these accounts belong to the account holder.
In order to not get diseases, the main thing to do is to prevent it. One way to do that is to go to the doctor on a regular basis and have him or her conduct tests to determine if there are any underlying diseases or ailments. Preventing these diseases will save money and pain for the patient.
The Community Americas High Deductible Health Plan is a health insurance that helps and encourages preventing health problems by having the body screened for potential diseases. Even though this may be helpful, there is a high deductible. This means that the patient must pay a high amount before the insurance company starts to pay. On average, many people’s deductible is around $500 - $1,000 per year.