To get the most out of your healthcare benefits for preventive care screenings, first recognize that most traditional plans treat prevention as an afterthought, whether they come from a major carrier or are self-funded. Employees put off screenings because of cost, confusion, or no immediate payoff. The fix is a shift from a reactive, claim-driven model to a proactive, incentive-based one that makes prevention automatic and rewarding.
Step 1: Know What Preventive Screenings Are Free
Under the Affordable Care Act (ACA), most employer-sponsored plans must cover a defined list of preventive services at no cost when delivered by in-network providers. That list includes blood pressure checks, cholesterol tests, cancer screenings such as mammograms and colonoscopies, and immunizations. To start:
- Review your plan's Summary of Benefits and Coverage (SBC) to see which services are free (no co-pay, no deductible).
- Use in-network providers; going out-of-network can void the $0 cost.
- Schedule annual wellness visits, which are usually free and unlock other screenings based on age and risk factors.
Step 2: Choose a Plan That Rewards You for Getting Screened
Traditional plans don't reward you for completing preventive screenings. WellthCare™ changes that. It's the first Health-to-Wealth™ Benefit System that layers on top of your current plan and gets used first. It works in three ways:
- $0 co-pay care used first: WellthCare covers care before you file a claim, eliminating deductibles and co-pays for preventive actions.
- Earn reward dollars for completing screenings: real, spendable dollars land in your WellthCare™ Store account for every mammogram, colonoscopy, or biometric screening.
- Automatic retirement contributions: savings from the program fund contributions to your retirement account as you complete verified preventive actions. Health turns into wealth automatically.
Step 3: Use Tech to Track and Automate
WellthCare tracks verified preventive actions using standardized codes. AI drafts a personalized care plan for you, and a nurse practitioner and physician review it before you see it. The result is a plan of care that fits your age, gender, and health history. To get started:
- Download the WellthCare app and complete a quick health profile. It will recommend screenings based on your age, gender, and history.
- Set reminders for upcoming screenings via push notifications.
- Scan to verify. After your screening, scan a QR code or verify in the app. WellthCare instantly adds Store dollars to your account and credits your automatic retirement contributions.
Step 4: Understand the Financial Win
With WellthCare, you create a flywheel of benefits:
- Your out-of-pocket costs drop. $0 co-pay care is used before your current health plan kicks in.
- You build spendable wealth instantly at the WellthCare Store, with no reimbursement paperwork.
- Your employer sees fewer claims and lower costs over time, which can mean better benefits for you.
- You compound long-term retirement wealth through automatic retirement contributions that grow with every verified preventive action.
Step 5: Ask About the WellthCare Readiness Index™
Employers get the WellthCare Readiness Index™, an AI-driven report that proves when switching to WellthCare Complete™ saves money. For you, it means your preventive data (anonymized and compliant) proves your health investments pay off. That opens the door to richer benefits, including transparent pharmacy pricing and Medicare transition support at 65.
Who Can Use WellthCare
WellthCare is a group benefit, so access runs through your employer. Participation is open to W-2 employees in your company's Section 125 plan. Business owners, such as self-employed individuals, partners, and more-than-2% S corporation owners, are not eligible, though their family members can join if those family members are eligible W-2 employees.
One more requirement matters. WellthCare works alongside ACA-compliant employer-sponsored health coverage. To receive benefits under the plan, you and your covered family members need that major medical coverage in place, either through your own employer or through a spouse's plan. WellthCare is not a replacement for major medical insurance. It is used first, before claims hit your main plan.
If you are not sure whether your company offers WellthCare, or whether you qualify, ask your HR team or benefits administrator.
Final Takeaway
Stop guessing. With WellthCare, preventive care becomes automatic and rewarding. Every health action earns immediate savings, spendable rewards, and automatic wealth. Ask your employer if your company offers WellthCare as a zero-net-cost addition to your existing plan. If not, share this post to start the conversation.