What’s Covered?

Your No-Cost Preventive Benefits

Let’s not sugarcoat it—going to the doctor when you feel perfectly fine doesn’t exactly scream “great way to spend my afternoon.” For most of us, it’s somewhere between organizing your sock drawer and renewing your license. But here’s the twist: those routine visits? They’re actually one of the smartest health moves you can make.

And what’s even better? A whole bunch of those check-ins, screenings, and vaccines are completely covered by your insurance. As in: no co-pay, no deductible, no surprise invoice that shows up three weeks later with zero explanation.

So why do so many people skip them?

“Preventive care”—sounds important, but what does it actually include?

You hear the phrase thrown around in HR meetings or during benefits enrollment season, but it’s rarely broken down into real, human terms. So, here’s the gist: preventive care is any medical service you get before something goes wrong. It’s your health plan’s way of saying, “Hey, let’s catch this early—or better yet, make sure it never happens.”

It’s like changing the batteries in your smoke alarm. Not exciting, sure. But the alternative? Not great.

And depending on your age, gender, and health history, here’s what your no-cost preventive care might cover:

• Annual wellness exams (that awkward paper gown appointment)
• Vaccines—flu, shingles, COVID-19, tetanus, etc.
• Cancer screenings—like mammograms, Pap tests, and colonoscopies
• Cholesterol and blood pressure checks
• Diabetes and prediabetes screenings
• Mental health screenings for things like depression or anxiety
• STI screenings and birth control counseling
• Prenatal and postnatal visits
• Well-child visits (for the parents in the room)

These aren’t just “nice-to-haves.” They’re backed by medical research and recommended by groups like the U.S. Preventive Services Task Force—basically the people who read all the data so you don’t have to.

If it’s free, why does it still feel complicated?

Great question. The truth is, even when something should be straightforward, the healthcare system has a knack for making it feel like a math test you didn’t study for.

First of all, “covered” doesn’t always feel like covered. Maybe your doctor ordered a test you didn’t expect. Or the clinic sent it to an out-of-network lab. Or someone accidentally coded your visit as “diagnostic” instead of “preventive.” Suddenly, that free checkup costs $138.79 and comes with a side of confusion.

Second: time. Between work, errands, family, and that one show you swore you’d watch just one episode of (and then watched six)—finding space to schedule appointments feels… exhausting.

And let’s not ignore the emotional side of it. Some people avoid doctors because they’re anxious about what they might find. Others just hate the whole vibe—waiting rooms, small talk, cold stethoscopes. It’s not exactly comforting.

But still, skipping care doesn’t make the risk go away. It just delays the problem until it’s bigger—and usually more expensive.

This is where TouchCare steps in (and takes the stress off your plate)

You’ve probably seen the name. Maybe even used us once or twice. But if you didn’t know, TouchCare isn’t insurance—we’re your healthcare concierge. Your benefits translator. Your medical decoder ring.

And when it comes to preventive care, here’s what we can do:

• Explain what’s actually covered, based on your specific plan
• Find in-network providers so you don’t get hit with surprise charges
• Book appointments for you (yes, really—tell us when you’re free)
• Make sure services are coded correctly to help avoid unnecessary bills
• Track down answers when billing gets confusing (and let’s face it, it often does)
• Send reminders when it’s time for screenings or vaccines

Basically, if it feels like a chore, send it our way. You’ve got other things to worry about—this shouldn’t be one of them.

“But I feel fine…”

Totally get it. Most people don’t think about doctors unless something hurts or feels off. But here’s the kicker: a lot of serious conditions—heart disease, high blood pressure, certain cancers—don’t start with fireworks. They creep in slowly, quietly. Often without symptoms.

So yeah, you might feel fine. Until one day, you’re not.

Preventive care isn’t about paranoia. It’s about peace of mind. It’s knowing you checked the boxes now so you’re not caught off guard later. And no, it doesn’t guarantee you’ll never get sick—but it gives you a much better shot at catching things early, when they’re most treatable.

You already paid for it—so use it

Here’s something a lot of people forget: those preventive benefits? You’re not getting them “for free.” You’ve already paid for them through your insurance premiums. That physical or mammogram or blood test—it’s part of the package. Ignoring it is like buying a gym membership and never stepping foot inside. (Guilty.)

So take advantage of what you’ve got. Don’t let your benefits gather dust.

And hey—if even thinking about making an appointment stresses you out, let us handle it. That’s literally what we’re here for.

Need help figuring out what’s covered or who to see?
Shoot us a message. We’ll help you navigate the system, find a provider, and book your visit—without the usual runaround.

Your future self will be grateful. And maybe—just maybe—you’ll even get a sticker.