What’s Free with Health Insurance

Learn about what services are free with health insurance and what isn’t.

How to find what’s free?

Call your insurance company and ask what health services are free for you and your family. Ask them where to go for these services so they are in-network.

In-Network means the group of doctors, clinics, and hospitals that are covered by your insurance.

Preventative health care keeps you healthy and saves you money. Scheduling a free yearly appointment can help prevent future health issues, which saves you money later. To schedule a free yearly appointment:

  1. Call your Primary Care Provider and ask to schedule your yearly check-up.

  2. Go to your check-up and ask what tests are needed for your age.

  3. Ask your provider if everything in the visit is covered under a free check-up. Always ask if a test is free!

A Primary Care Provider is the doctor, nurse practitioner, or healthcare professional you see for routine care.

Some free services that are commonly covered:

Click each list to learn more about what services might be free with your health insurance plan. If you’re pregnant folic acid vitamins, tests, and breastfeeding support may be available to keep the baby healthy.

    • Autism testing (18-24 months)

    • Depression testing for teens

    • Development and behavior tests

    • Immunizations/vaccines

    • Lead testing

    • Hearing and vision testing

    • Obesity testing and counseling

    • Dental check-up

    • Sexually Transmitted Infection testing and prevention counseling

    • Alcohol misuse counseling

    • Blood pressure testing

    • Diabetes (type 2) testing

    • Diet counseling (at risk groups)

    • Domestic violence counseling

    • Well-woman visits including breast cancer and cervical cancer testing

    • Immunization/vaccines

    • Obesity testing and counseling

    • Help to quit smoking

    • Sexually Transmitted Infection testing and counseling

    • Osteoporosis testing (age 60+)

    • Birth control (This does not apply to health plans sponsored by certain exempt religious employers.)

If you get additional care during your yearly check-up, or if the provider finds a medical problem, you may need to pay a fee.

If you are charged for a free service:

If you are charged for an annual check-up or free service, it is important to ask the clinic why. Call your clinic’s billing department and ask them why you were charged.

You may need to fill out forms with your insurance company to remove a charge. Call your insurance company’s customer service and ask for help.

You can download a printable PDF of this information

Click the image to download a copy in English and Spanish.