Obtain 100 Percent-Paid Preventive Care

BNY Mellon Benefits Guide

It's easy to put off getting an annual physical. But when it's covered at 100 percent, why wait? Your medical option covers in-network preventive care and screenings at 100 percent, so take advantage of the benefit and get your preventive care—for you and your covered family members.

What Is Preventive Care?

Preventive care helps identify potential health problems early when they may be easier and less costly to treat. Guidelines are based on your age and gender. The following table lists a selection of the more common preventive services, some of which are based on age, that are covered at 100 percent when obtained in network. For a complete list of your preventive care benefits, as well as a description of any age parameters, visit the Department of Health and Human Services website. Please contact your provider to determine whether services will be covered as preventive.


CHILDREN	MALE	FEMALE
Annual physicals Immunizations Well-baby care	Annual physicals Colonoscopy and anesthesia performed in connection with a preventive colonoscopy Depression screening, including major depressive disorder Diabetes mellitus: baseline for high-risk individuals Gender-based preventive services for transgender individuals High blood pressure screening Immunizations Latent tuberculosis infection screening Low- and moderate-dose generic statin medications for those ages 40 - 70 Medical/family history Osteoporosis test Prostate cancer screening Syphilis screening Tobacco-use cessation	Annual physicals Aspirin coverage for women of childbearing age who are at an increased risk of preeclampsia Breastfeeding support and counseling Colonoscopy and anesthesia performed in connection with a preventive colonoscopy Depression screening, including major depressive disorder Diabetes mellitus: baseline for high-risk individuals Gender-based preventive services for transgender individuals Genetic counseling and BRCA genetic testing for women who have had a non-BRCA-related breast or ovarian cancer	High blood pressure screening Immunizations Latent tuberculosis infection screening Low- and moderate-dose generic statin medications for those ages 40 - 70 Mammograms Medical/family history More FDA-approved contraception options Osteoporosis test Preventive services related to pregnancy for dependent children Syphilis screening Tobacco-use cessation Well-woman exams

Note: During your checkup, if you receive a diagnosis for an issue, or treatment or screenings for a condition for which you have already been diagnosed, the visit is not considered preventive and the deductible and coinsurance will apply. Also, while the preventive exam provided by your physician is covered at 100 percent, if blood or other lab work is required, your deductible and coinsurance may apply to those services. As a reminder, if blood work or other lab work is required, make sure such work is performed by in-network providers, to the extent possible.

Preventive Screenings—Protect Your Health and Finances

Some health conditions don't have symptoms. That's where free preventive screening tests can help. With regular screening tests of your blood pressure and cholesterol, as well as colonoscopies and mammograms when requested by your physician, your doctor may be able to catch a disease or health condition early. The earlier you detect these conditions; the sooner you may be able to get them under control. You will be able to lower your risk of serious illness, costly medical care and hospital stays down the line. (Source: WebMD)

Remember to talk to your doctor and Medical Plan carrier about whether the care you receive is preventive or diagnostic for purposes of health insurance.

What Are Preventive Therapy Drugs?

Preventive drugs are medications that can help prevent a health condition from developing. Examples include blood pressure, prescribed aspirin, statin medications and cholesterol-lowering medications that may prevent heart attacks and strokes. See the "Preventive Drug List".