What does this change mean for me?
North Dakotans may begin to see — for the first time — deductibles, copayments and/or coinsurance for vaccinations on their explanation of benefit (EOB) reports from their insurers. Cost sharing amounts may vary depending on the insurance plan.
If your employer offers a flexible benefits plan, you may want to adjust your plan to include any out-of-pocket medical expenses that may not be covered by insurance. Check your benefit plan booklet for vaccination coverage as you prepare for enrollment in your 2008 flexible benefits.
Many health insurance plans cover immunizations; however, there are variations from one health plan to another. Please contact your insurer to ask what is covered in your health benefit plan.
If your insurance policy does not cover vaccines — or if your child is uninsured, Native American or eligible for Medicaid — please talk to your health care provider. Your child may be eligible to receive free vaccines through the federal Vaccines For Children program.
Does my insurance plan cover vaccinations?
To find out if your insurance company covers vaccines, check your benefit booklet or call your insurance company and ask the following questions:
- Do I have insurance that covers immunizations?
- Does my insurance cover these immunizations recommended by the Advisory Committee on Immunization Practices or the Centers for Disease Control and Prevention?
- Diphtheria, tetanus and pertussis (DTaP or Tdap)
- Haemophilus influenza type B (Hib)
- Hepatitis B (Hep B)
- Polio (IPV)
- Rotavirus (RV or Rota)
- Pneumococcal (PCV7)
- Measles, mumps, and rubella (MMR)
- Hepatitis A (Hep A)
- Influenza (Flu)
- Intranasal influenza vaccine (Flumist, LAIV or CAIV)
- Meningococcal (MCV4)
- Human papillomavirus vaccine (HPV)
- Varicella (chickenpox)
- Are there any coverage limitations or restrictions, such as age limitations on covered vaccines or restrictions on travel vaccinations?
- What are they?
- How do they apply?
- Will I have to pay anything for immunizations?
- Copay or coinsurance
- Is there a maximum amount my insurance will cover each year for wellness services, preventive services or immunizations?
How can I learn more?
One of the most important things parents can do to protect their children is to make sure they are vaccinated against serious but preventable diseases. To learn more about immunizations, visit the North Dakota Department of Health website, ndhealth.gov.