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Preventive care at no cost to you* when you see an in-network provider.
What is Preventive Care?
Preventive health care refers to proactive measures taken to maintain and improve an individual’s overall well-being and prevent the onset of illness or disease.
It involves a range of practices and strategies aimed at identifying potential health risks early on, promoting healthy lifestyles, and minimizing the likelihood of developing certain conditions.
Preventive health care includes regular check-ups, vaccinations, screenings, and diagnostic tests that help detect any signs of disease at an early stage when treatment is most effective.
Additionally, adopting healthy habits such as exercising regularly, maintaining a balanced diet, managing stress levels, and avoiding harmful substances like tobacco and excessive alcohol consumption are key components of preventive health care.
By prioritizing prevention, individuals can actively protect and enhance their health, leading to a higher quality of life and reduced healthcare costs in the long run.
Preventive health care is much more than your annual doctor visit.
Health screenings, certain medications, vaccinations, and lifestyle counseling are all examples of Preventive Care.
Preventive care helps you catch health changes at an early stage when treatment is most effective. Check your Outline of Coverage for details.
Cholesterol tests and
treatment are 100% covered.
What counts as preventive?
Abdominal aortic aneurysm one-time screening for men of specified ages who have ever smoked
Aspirin use to prevent cardiovascular disease and colorectal cancer for adults 50 to 59 years with a high cardiovascular risk
Cholesterol screening for adults of certain ages or at higher risk. Statin medications.
Colorectal cancer screening for adults 45 to 75
Diabetes (Type 2) screening for adults 40 to 70 years who are overweight or obese
Hepatitis B screening for people at high risk, including people from countries with 2% or more Hepatitis B prevalence, and U.S.-born people not vaccinated as infants and with at least one parent born in a region with 8% or more Hepatitis B prevalence.
Hepatitis C screening for adults age 18 to 79 years
HIV screening for everyone age 15 to 65, and other ages at increased risk
PrEP (pre-exposure prophylaxis) HIV prevention medication for HIV-negative adults at high risk for getting HIV through sex or injection drug use
Lung cancer screening for adults 50 to 80 at high risk for lung cancer because they’re heavy smokers or have quit in the past 15 years
Sexually transmitted infection (STI) prevention counseling for adults at higher risk
Syphilis screening for adults at higher risk
Tobacco use screening for all adults and cessation interventions for tobacco users
Tuberculosis screening for certain adults without symptoms at high risk
Bone density screening for all women over age 65 or women age 64 and younger that have gone through menopause
Breast cancer genetic test counseling (BRCA) for women at higher risk
Every 2 years for women 50 and over
As recommended by a provider for women 40 to 49 or women at higher risk for breast cancer
Breast cancer chemoprevention counseling for women at higher risk
Pap test (also called a Pap smear) for women age 21 to 65
Chlamydia infection screening for younger women and other women at higher risk
Diabetes screening for women with a history of gestational diabetes who aren’t currently pregnant and who haven’t been diagnosed with type 2 diabetes before
Gonorrhea screening for all women at higher risk
HIV screening and counseling for everyone age 15 to 65, and other ages at increased risk
PrEP (pre-exposure prophylaxis) HIV prevention medication for HIV-negative women at high risk for getting HIV through sex or injection drug use
Sexually transmitted infections counseling for sexually active women
Urinary incontinence screening for women yearly
Well-woman visits to get recommended services for all women
Pregnancy & Planning
Breastfeeding support and counseling from trained providers, and access to breastfeeding supplies, for pregnant and nursing women
Birth control: Food and Drug Administration-approved contraceptive methods, sterilization procedures, and patient education and counseling, as prescribed by a health care provider for women with reproductive capacity (not including abortifacient drugs). This does not apply to health plans sponsored by certain exempt “religious employers.” Learn more about contraceptive coverage.
Folic acid supplements for women who may become pregnant
Gestational diabetes screening for women 24 weeks pregnant (or later) and those at high risk of developing gestational diabetes
Gonorrhea screening for all women at higher risk
Hepatitis B screening for pregnant women at their first prenatal visit
Preeclampsia prevention and screening for pregnant women with high blood pressure
Rh incompatibility screening for all pregnant women and follow-up testing for women at higher risk
Expanded tobacco intervention and counseling for pregnant tobacco users
Alcohol, tobacco, and drug use assessments for adolescents
Autism screening for children at 18 and 24 months
Bilirubin concentration screening (PDF, 609 KB) for newborns
Blood screening for newborns
Depression screening for adolescents beginning routinely at age 12
Developmental screening for children under age 3
Dyslipidemia screening (PDF, 609 MB) for all children once between 9 and 11 years and once between 17 and 21 years, and for children at higher risk of lipid disorders
Fluoride supplements for children without fluoride in their water source
Fluoride varnish for all infants and children as soon as teeth are present
Gonorrhea preventive medication for the eyes of all newborns
Height, weight and body mass index (BMI) measurements (PDF, 609 KB) taken regularly for all children
Hematocrit or hemoglobin screening for all children
Hemoglobinopathies or sickle cell screening for newborns
Hepatitis B screening for adolescents at higher risk
HIV screening for adolescents at higher risk
Hypothyroidism screening for newborns
PrEP (pre-exposure prophylaxis) HIV prevention medication for HIV-negative adolescents at high risk for getting HIV through sex or injection drug use
Immunizations for adults — doses, recommended ages, and recommended populations vary:
Immunizations for children from birth to age 18 — doses, recommended ages, and recommended populations vary:
Many insulins are available for $0
along with supplies
and glucose monitoring.
$0 out-of-pocket Drugs & Supplies
No need to ration prescriptions and supplies. Or choose between medicine refills or gas refuels.
These drugs are $0 for Members.
Do you take medications in one of the categories listed below?
Our $0 Out-of-Pocket Drug List covers specific drugs in these categories even if you haven’t met your deductible or annual out-of-pocket expense.
This means that CO-OP members will not have any cost-share for medications listed this preventive drug list.
$0 Out-of-Pocket Drug Categories:
- Anticoagulant Medications
- Antidepressant Medications
- Blood Glucose Meter
- Bone Medications
- Cardiovascular Medications
- Cholesterol Medications
- Continuous Glucose Monitor
- Diabetic Medications
- Diabetic Supplies
- Diabetic Test Strips
- Respiratory Medications
Text or call a mental health
via Doctor on Demand.
Mental Health & Lifestyle Counseling
*Preventive Health Care services are covered at 100%, with no out of pocket costs when contracting provider networks are used. Any services performed with an Out of Network Provider will result in copayments, deductibles, and cost-sharing and may result in balance billing. Your doctor must write a prescription for preventive medication services to be covered by your plan, even if they are listed as over the counter. Frequency limitations may apply to to preventive care services such as screenings. Diagnostic tests (blood work, imaging) are not considered preventive. Networks may vary by plan. Please use the Provider Finder to find the providers for your network.
MHC complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age disability, or sex.
Q & A
If you are enrolled in a Mountain Health CO-OP Insurance Plan, you are eligible for 100% coverage for wellness or preventive services*.
To learn more about your preventive benefits, call the number on the back of your ID card to talk to a customer service agent about your benefits.
Services that are listed in your member benefit plan document (Summary of Benefits and Coverage) under “preventive health benefits” are covered at 100%*.
This means that you have no out of pocket cost. You do not have to pay a copay, deductible, or co-insurance to have these services done when you see an in-network doctor, laboratory, hospital, or durable medical equipment provider.
You may have to pay your deductible, copay, and coinsurance if you choose to have these services by an out-of-network doctor, laboratory, hospital, or durable medical equipment provider.
If you need help finding an in-network doctor, call the number on the back of your ID card, and Customer Service can help you. Or search for a provider.
Preventive care is the health care that you get to prevent illness, detect medical conditions, and keep you healthy.
For example, your doctor might want you to get a colonoscopy because of your age. However, if your doctor wants you to have a colonoscopy because of you are having symptoms like diarrhea or stomach pains, this is diagnostic care.
The diagnostic colonoscopy would not be paid under your preventive benefit, and you would be responsible for coinsurance, copayments, and your deductible.
Remember to ask your doctor if tests and procedures are preventive or diagnostic and if they are in-network with Mountain Health CO-OP.
Your annual wellness exam is one of the many preventive services that the CO-OP covers at 100%. However, some of the tests or procedures your doctor orders may not be covered under your preventive health benefit or your benefit plan.
If you have any questions about benefit coverage, call the number on the back of your ID card, and Customer Service can help you.
Mountain Health CO-OP supports federal and state government mandates to cover a wide range of preventive services. The CO-OP follows recommendations from government agencies to determine which services we include.
These recommendations can change, and the CO-OP regularly updates your benefits to reflect evidence-based practices. The CO-OP may adopt or change covered preventive service guidelines within the time required by law. Visit uspreventiveservicestaskforce.org/ for more information.
You can have preventive and non-preventive services in the same office visit.
For example, you may visit your doctor for an annual preventive/wellness exam. In the same visit, you may want to discuss a health concern (non-preventive care) such as a new knee injury.
Your office visit benefit may apply to the non-preventive part (knee injury) of your visit. In this scenario, your doctor will bill for the annual wellness exam AND a regular office exam because they took extra time to address your new problem, the knee injury.
You may be required to pay a copay, coinsurance, and deductibles for the regular office exam. The annual wellness/preventive part of the visit is still covered at 100%*.
There are many reasons why you may have received a bill for a visit. You may have seen an out-of-network doctor, the doctor may have billed MHC with codes that told us you were there for something other than an annual preventive exam, or the tests or services you had done were not covered by your health plan.
If this has happened to you, call us at the number on the back of your ID card and we can help you understand your bill.
You may choose any of the following types of providers as your primary care physician:
Family Practice, Internal Medicine, Pediatrician, Obstetrics and Gynecology, Gynecologist, Geriatrician, Osteopath, Nurse Practitioner, and/or Physician’s Assistant.
Advice & Guidance
Common Health Conditions Resources
Preventive Health Guidelines for Men, Women, and Children
|Preventive Care Services||Who||Age||What is covered||How often?|
|Aortic aneurysm screening||Men||65-75 years||Screening||One time|
|Aspirin preventive medication||Men and Women||50-59 years||Generic Dosage forms of 81mg/tablet||Per Prescription|
|Urinary tract infection: pregnant women||Women||Any age||Screening||While pregnant|
|Blood pressure screening: adults||Men and Women||18 years of age and older||Screening||Annually|
|Breast cancer genetic testing; BRCA risk assessment and genetic counseling/testing||Women||–||Screening||One time|
|Breast cancer preventative medications||Women||All ages at high risk||Generic Raloxifene and Tamoxifen tablets||Per Prescription|
|Breast cancer screening||Women||40 years and older||Screening||1 to 2 years for women age 40 years and older.|
|Breastfeeding interventions||Women||Any age||Manual and electric breastfeeding pumps that you buy Or rent from a licensed Durable Medical Equipment provider. Within 12 months of baby’s birth. Hospital Grade breast pumps are excluded||Within 12 months of the baby birth|
|Cervical cancer screening||Women||Beginning at the age of 21||Screening||Every 3 years|
|Chlamydia screening: women||Women||All ages||Screening||When at risk for infection|
|Cholesterol-lowering medication and prevention adults ages 40–75 years||Men and Women||40-75 years of age||Education and aid with treatment||Annually|
|Colorectal cancer screening and bowel prep medication before procedure||Men and Women||50-75 years of age||Screening||Colonoscopy- every 10 years FIT DNA (Cologuard®)- Every 3 years FIT testing- Annually FOBT- AnnuallyGeneric bowel preparations – per Colonoscopy|
|Contraception||Women||Women with reproductive ability||Generic oral contraceptives, patches, barrier contraception, IUDs, vaginal sponges, and spermicides||Per Prescription|
|Dental caries prevention: infants and children up to age 5 years||Children||Infants to 5 years of age||Dental care||Once|
|Depression screening: adolescents||Children||Children aged 12-18 years of age||Screening||Annually|
|Depression screening: adults||Men and Women||18 years of age and older||Screening||Annually|
|Depression: Perinatal||At risk Women||Any age||At Risk||Pregnant and Postpartum|
|Diabetes screening||Men and Women||40-70 years of age||Screening||Annually|
|Falls prevention: older adults||Men and Women||65 years of age and older||Screening and education||Annually|
|Folic acid supplementation||Women||All ages||Generic Dosage forms (400 or 800mcg)||Per Prescription|
|Fluoride supplements||Children||Age 5 or under||Sodium Fluoride 0.125, 0.25, and 0.5mg formulations||Per Prescription|
|Gestational diabetes mellitus screening||Women||All ages||Screening||While pregnant|
|Gonorrhea prophylactic medication: newborns||Children||Newborns||Preventive medicines applied to the eyes||At Birth|
|Gonorrhea screening: women||Women||All ages at high risk||Screening||When at risk for infection|
|A healthy diet and physical activity counseling to prevent cardiovascular disease: adults with cardiovascular risk factors||Men and Women||All ages||Counseling about diet and healthy habits and physical activity||Annually|
|Hepatitis B screening: nonpregnant adolescents and adults||Children||Children aged 12-18 years of age at high risk||Screening||Annually|
|Hepatitis B screening: pregnant women||Pregnant Women||Any age||Screening||While pregnant|
|Hepatitis C virus infection screening||Men and Women, Adolescents||18-79 years of age||Screening||When at risk for infection, and once for those born between 1945 and 1965|
|HIV screening: adolescents and adults||Men, Women, and Adolescents||15-65 years of age||Screening||When at risk for infection|
|HIV screening: pregnant women||Pregnant Women||Any age||Screening||While pregnant|
|Hypothyroidism screening: newborns||Children||Newborns||Screening for congenital hypothyroidism in newborns||At Birth|
|Intimate partner violence screening: women of reproductive age||Women||Any age||Screening and support||Annually|
|Iron supplements||Children||6 to 12 months||Generic Liquid formulations||Per Prescription|
|Lung cancer screening||Men and Women||55-80 years of age with a history of smoking||Once a year screening||Annually|
|Obesity screening and counseling: adults||Men and Women||18 years of age and older||Screening and treatment for members with a diagnosis of obesity||Annually|
|Obesity screening: children and adolescents||Children||6-18 years of age||Screening and treatment for members with a diagnosis of obesity||Annually|
|Osteoporosis screening: postmenopausal women younger than 65 years at increased risk of osteoporosis, and for women 65 years and older||Women||Any age||Screening||Annually|
|Phenylketonuria screening: newborns||Children||Newborns||Screening in newborns||At Birth|
|Preeclampsia prevention: aspirin||Pregnant Women||Any age||Treatment for high blood pressure with over the counter medications||While pregnant|
|Preeclampsia: screening||Pregnant Women||Any age||Blood pressure measurement||While pregnant|
|Rh incompatibility screening: first pregnancy visits and 24–28 weeks’ gestation||Pregnant Women||Any age||Rh antibody screening||While pregnant|
|Sexually transmitted disease and infection counseling (STD/STI)||Men, Women, and children||Any age||Counseling to reduce the risk of STD/STI during annual wellness exams||Annually|
|Skin cancer behavioral counseling||Children||Any age||Counseling to reduce their risk of skin cancer||Annually|
|Statins||Men and Women||Adults aged 40-75 at risk||Prevention of Cardiovascular Disease||Generic low to moderate intensity statins|
|Syphilis screening, sexually transmitted disease (STD)||Men, Women, and Children||Any age||Screening for syphilis infection||Annually|
|Tobacco use counseling and interventions: nonpregnant adults||Men and Women||18 years and over||Education and aid with treatment options to quit.||Annually|
|Tobacco use counseling: pregnant women||Pregnant Women||Any age||Education and aid with treatment options to quit||Annually|
|Tobacco use interventions: children and adolescents||Children||Under the age of 18||Education and aid with treatment options to quit||Annually|
|Tobacco Cessation Products||Men and Women||Adults||Nicotine replacement products, Chantix, and Bupropion tabs||Per Prescription|
|Tuberculosis screening: adults||Men and Women||Any age||Tuberculosis screening lab and skin tests||Annually|
|Unhealthy alcohol use: adults||Men, Women,||12-17 years of age||Screening and behavioral counseling for unhealthy alcohol use||Annually|
|Unhealthy drug use||Men and Women||18 years and older||Screening and behavioral counseling for unhealthy drug use||Annually|
|Vision screening: children||Children||3-5 years of age||Vision screening||Annually|
|Preventive/Wellness exams||Men, Women, and Children||Any age||Wellness Exams||Annually|
Prescription Medications - Preventive Health Benefit
Your health plan may include certain prescription and over-the-counter (OTC) preventive medicines, as a benefit of membership, at no cost to you when you use a pharmacy or doctor in your health plan’s network. There is no co-pay, deductible or coinsurance, even if your deductible or out-of-pocket maximum has not been met.
In addition to the preventive medications outlined in the Affordable Care Act (ACA), effective January 1, 2021 the CO-OP will provide expanded coverage for hundreds of other preventive medications used to treat chronic illness at no cost to our members.
You will find that list of medications in our $0 Out-of-Pocket Drug List list for the current year and it will be available to ALL the plans that the CO-OP offers (Individual and Family Plans, Small Group Plans, and Large Group Plans)
The ACA list and the $0 Out-of-Pocket Drug List include:
- Medicine and supplements to prevent certain health conditions for adults, women, and children
- Medicine and products for quitting smoking or chewing tobacco (tobacco cessation)
- Medicine used prior to screenings for certain health conditions in adults
- Vaccines and immunizations to prevent certain illnesses in infants, children, and adults
- Contraceptives for women
- Drugs for Asthma and COPD
- Drugs and blood glucose testing supplies to treat diabetes (including Insulins)
- Drugs to treat depression
- Drugs to treat osteoporosis
- Drugs to treat cardiovascular disease
- Drugs to lower cholesterol
- Drugs to treat coagulation disorders
|ASPIRIN to help prevent serious heart and blood vessel problems (cardiovascular disease) and colorectal cancer in adults 50 to 59 years old who are at risk.
Generic dosage forms of 81 mg
Aspirin products (OTC):
|TOBACCO CESSATION PRODUCTS to help adults who are not pregnant quit tobacco use in order to prevent health problems. Tobacco use includes smoking or chewing tobacco.
Generic nicotine replacement products—patch, gum and lozenges
Brand-name Nicotrol (nicotine inhalation system)
Brand-name Nicotrol NS (nicotine nasal spray)
Generic bupropion (generic of brand-name, Zyban)—Zyban is NOT covered
Brand-name Chantix (varenicline tartrate)
Tobacco cessation products (OTC and Rx):
|VACCINES (IMMUNIZATIONS) to prevent certain illnesses in people of all ages. Recommended doses, ages and populations may vary (Rx)|
|FLUORIDE SUPPLEMENTS to help prevent cavities (dental caries) in children five years or younger whose water is low in fluoride.
All oral dosage forms up to 0.5 mg
Fluoride products (Rx):
|FOLIC ACID SUPPLEMENTS to help prevent birth defects in women who may become pregnant.
Generic dosage forms
Folic acid products (OTC):
|LIQUID IRON SUPPLEMENTS for children ages 6 to 12 months at risk for anemia.
|BOWEL PREP MEDICINE for cleaning out the bowel before colonoscopy procedures for adults age 50 to 74. Colonoscopies screen for colon and rectal cancers. Generic preparations only UNLESS no generic is available. Brand name will no longer be supplied at no cost when the generic becomes available.|
|STATINS to help prevent serious heart and blood vessel problems (cardiovascular disease) in adults age 40 to 75 who are at risk.
Generic low to moderate intensity statins (Rx):
|Women’s Health Preventive Services|
|Generic Oral Contraceptives/Transdermal Patches/Injectables, Barrier Contraception Methods (Diaphragms & Cervical Caps), Intrauterine Devices/Subdermal Rods/Vaginal Rings, Emergency Contraception (Rx or OTC), Vaginal Sponges and Spermicides are covered without cost share. Listings are subject to change and available by contacting Pharmacy Customer service line at 1-866-236-5936. Brand name will no longer be supplied at no cost when the generic becomes available.|