LAS VEGAS - nvtip -- Your routine visit with your primary doctor may include preventive care and diagnostic care. While you may not notice much difference between these two care types during your visit, your doctor will bill the health insurance company differently for these services, and the health insurance company will pay for them differently.

Most health insurance plans cover certain preventive services at no cost to you, provided the doctor has billed the insurance company for "preventive services". However, when you obtain diagnostic care, you will usually pay a deductible, co-pay, or co-insurance. Understanding the difference between preventive care and diagnostic care can help you know what to expect to pay.

What Is Preventive Care?
Preventative care includes the health services you obtain to stay well and avoid developing life-threatening conditions. During a preventive care visit, your doctor may review your likelihood of developing a condition such as high blood pressure or diabetes and discuss what you can do to lower your risk. This type of care also includes routine checkups, preventive screening tests, annual wellness visits and most immunizations. The purpose of this type of care is to catch potential problems before symptoms develop. For example, a Colonoscopy is preventative, (unless there are polyps that need to be removed or other problems found) then the doctor will not bill the insurance for a preventive procedure but instead bill it as a diagnostic procedure. If it's billed as "diagnostic", you will then be subject to pay your deductible, co-pay and/or out of pocket maximum.

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