How to Maximize Preventive Care Screenings with Your Health Benefits

To get the most out of your healthcare benefits for preventive care screenings, first recognize that most traditional plans—whether from big carriers (BUCA) or self-funded—treat prevention as an afterthought. Employees put off screenings because of cost, confusion, or no immediate payoff. The fix? 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—like blood pressure checks, cholesterol tests, cancer screenings (mammograms, colonoscopies), and immunizations—at no cost when delivered by in-network providers. 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—they're 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 OS that layers on top of your current plan and gets used first. Here's how:

• $0 co-pay care used first: WellthCare covers care before you file a claim, eliminating deductibles and co-pays for preventive actions.
• Earn cash for completing screenings—real dollars deposited into your WellthCare Store account for every mammogram, colonoscopy, or biometric screening.
• Automatic retirement contributions: Each verified action triggers a deposit into your pension or SEP account. Health turns into wealth automatically.

Step 3: Use Tech to Track and Automate

WellthCare tracks over 75 preventive actions using standardized codes. Its AI builds a personalized care plan just for you. WellthCare combines AI-powered personalization with clinician oversight, ensuring every plan of care is safe, compliant, and tailored to your unique health needs. To get started:

1. Download the WellthCare app and complete a quick health profile. It'll recommend screenings based on your age, gender, and history.
2. Set reminders for upcoming screenings via push notifications.
3. Scan to verify—after your screening, scan a QR code or verify in the app. WellthCare instantly deposits Store dollars and pension 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 BUCA or self-funded plan hits.
• You build spendable wealth instantly at the WellthCare Store—no paperwork.
• Your employer sees fewer claims and lower premiums over time, which can mean better benefits for you.
• You compound long-term retirement wealth through automatic pension deposits tied to every 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.

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 WellthCare is available as a free, zero-risk add-on. If not, share this to start the conversation.