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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.


Coverage for Expensive Preventative Screenings

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Question: I'm over 50 which means that I need a bone scan. My doctor says its not necessary but will give me an Rx if I really think I cant live without it. How do I know if its covered on my plan?

Answer: Without knowing what kind of plan you have it's difficult for me to say with certainty whether or not a bone scan would be covered. I can give you some general information about how they are normally covered, however. Typically it is applied to the plan deductible and, if you stay in-network, you will receive a discount on the cost of service. There might be a rare instance where a bone scan is conducted in the primary physician's office, in which case the costs may be applied to the preventive care co-pay if the plan has one. This depends on how the doctor codes the bill, however. I would recommend contacting your insurance company directly and speaking with the Claims Department.

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