Illinois Health Insurance Practice Exam

Question: 1 / 400

What is a primary benefit of preventive care services within health insurance?

It guarantees full coverage for all types of treatments

It often comes at no cost to the insured individual

Preventive care services play a crucial role in health insurance as they are designed to prevent diseases or detect them early, when treatment is most effective. One of the primary benefits of these services is that they often come at no cost to the insured individual. This means that for many preventive services, insurance plans will cover the full cost without requiring a copayment, deductible, or coinsurance. This encourages individuals to utilize these services, such as vaccinations, screenings, and annual check-ups, thereby promoting better health outcomes and reducing the need for more costly treatments in the future.

This aspect of preventive care is essential as it alleviates financial barriers, allowing more people to take proactive steps towards maintaining their health, ultimately benefiting both individuals and the wider healthcare system.

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It is available only during specific periods of enrollment

It limits the types of providers available for care

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