Preventative Care with a HSA: Free Physicals and Lab Work

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Each lab test will have a separate name and diagnostic code.  As long as the code and test are preventative in nature, they’ll be covered.  The main thing to consider is the diagnostic code.  You should see the code V70.0 somewhere next to the test name or description.  V70.0 is the ICD-9-CM diagnostic code for a routine medical exam(preventative).  The code is also the reason why the test is being done.

The second thing to look at is the test itself.  If the test falls under preventative or routine, you should see a short description saying so underneath the test name or in the test description.  If you go in for a physical and the doctor decides he wants to run a bone marrow test for the heck of it and codes it V70.0 it still won’t be covered since the test is not a routine medical(preventative) test.

As long as you see the correct diagnostic code and a description of the test as normal, routine or preventative you know that test will be covered.

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If you’re still worried that your tests may not be covered you can always request a copy of the tests ordered by your doctor.  While you’re waiting at the doctor’s office you can call your insurance company and give them the name of each test and it’s associated diagnostic code.  They should be able to tell you if it’s covered or not.  I didn’t have much luck getting this information from my doctor’s office but my insurance company was surprisingly knowledgeable and helpful.

Knowing these codes will help you decipher your medical bill and you might even be able to catch a doctor’s mistake.  Incorrect coding is one of the main sources of medical insurance fraud so it’s important to be on the lookout for this as a consumer.  You never want to pay more than you have to.

Readers, did you know that most HDHP/HSA’s covered preventative services like physicals and blood work?  Did you know what a medical diagnostic code was before reading this article?

-Harry @ PF Pro

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Hi, I'm Harry, the owner and head writer for Your PF Pro. I started this site back in 2011 in order to create a place where young professionals could come and get all of their financial questions answered. On the site, you'll find articles on everything from asset allocation for retirement to saving money at Chipotle! So enjoy..

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