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At Premera, we are dedicated to providing comprehensive and tailored healthcare services to all women.
While some health issues are common, women have distinctive healthcare needs. Some main differences are gynecological conditions, breast, ovarian and cervical cancers, pregnancy and menopause, emotional and mental health challenges.
Premera network of thousands of doctors, healthcare providers, and hospitals, is designed for you, so no matter what happens you can feel confident that you will receive the treatment, support and care you need to maintain your overall health.
A Center for Disease Control and Prevention (CDC) report states that heart disease is the leading cause of death for African American and white women. Heart disease and cancer cause about the same number of deaths for American Indian and Alaska Native women, and for Hispanic, Asian and Pacific Islander women cancer is the main cause of death followed by heart disease.
women age 20 and older (6.2%) have coronary heart disease
white women (6.1%), black women (6.5%), and Hispanic women (6%) have coronary heart disease
Asian women (3.2%) have coronary heart disease
Under most plans you have two preventive exams per year to use for general screenings like your annual physical checkup, pap smear test and mammograms. There is no out-of-pocket cost when you use in-network provider. It’s 100% covered (free to you).
Preventive exams do not cover the evaluation of new symptoms or existing medical conditions. Your healthcare provider may ask you to return for an additional visit or may charge a medical visit in addition to your preventive visit.
In addition to unique health experiences of pregnancy, menopause and gynecologic conditions, you also may have to manage common health conditions like high blood pressure, high cholesterol and high blood sugar.
Tests or services that are diagnostic or used to monitor and treat existing medical conditions are included under your health plan, but not free—you will be charged for deductibles, copays, or coinsurance. To avoid surprise costs, ask your doctor if a recommended test is preventive. If they say “no,” then it’s not free.
Save money by staying in-network. Browse our extensive directory for doctors, dentists, pharmacies and medical centers in your plan’s network.
To ensure lifelong and comprehensive care, have a primary care doctor or provider in your corner as your healthcare go-to guide. Primary care providers are point people to coordinate all your care. Learn key reasons to have a primary doctor.
Follow facts not fiction when it comes to good breast health. Schedule your mammogram today.
Screening tests find health problems before you have symptoms and when treatment is easier.
(The following are general guidelines for common screening tests. Your healthcare provider will consider your family history and risk factors when making specific testing recommendations for you).
Preventive screenings are covered 100% when done by in-network providers.
Healthcare providers recommend that women have a Pap test every 3 years from ages 21-29. From ages 30-65 HPV* testing may be done with or without a Pap test every 5 years OR women can continue Pap testing alone every 3 years.
*HPV stands for human papilloma virus. This is the virus that can cause cervical cancer and several other cancers. HPV vaccination can prevent over 90% of cancers caused by HPV and is also covered as a preventive benefit.
Osteoporosis is a health condition that weakens the bones and it’s more commonly encountered in women than it is in men. The risk of developing osteoporosis increases with age.
A bone measurement test to screen for osteoporosis is recommended for women 65 years and older.
Regular screening is recommended beginning at age 45 and continuing until at least the age of 75. There are several colon cancer screening tests, including stool tests and colonoscopy. Talk to your healthcare provider to decide on the test that is best for you.
Most healthcare providers recommend a screening mammogram every two years for all women ages 50-74. Based on your medical history or risk factors, you may need to start screening at an earlier age.*
*A yearly screening mammogram is fully covered starting at age 40.
Depending on your age and risk factors, testing may be recommended for sexually transmitted infections. Talk to your healthcare provider for your personal recommendations.
Everyone should be routinely screened for depression starting at age 12. In addition, women should be screened for depression during and after pregnancy as the first year after delivery is a time of special focus on mental health
Note: Keep in mind that if your provider performs tests based on signs or symptoms, your visit could be billed as diagnostic rather than preventive care, which means you could be charged for additional services.
Premera plans cover delivery at hospitals and birthing centers, home births, and post-delivery care as determined necessary. Women usually stay in the hospital 24-48 hours for vaginal birth and 48-72 hours for a Caesarean section birth. However, if there are any medical issues, a longer hospital stay might be needed. Learn more about pregnancy care.
Use the Find Care tool on Premera.com or the Premera mobile app. In-network doctors will reduce your out-of-pocket costs.
Get virtual care from your doctor or from one of our virtual care providers.
Benefits under your health plan may differ, so refer to your benefit booklet for information on what your specific health plan covers.
Your health plan covers preventive care services as required by state and federal law. For more information, please review the "A" and "B" rated services on the United States Preventive Services Task Force, immunizations recommended by the Centers for Disease Control and Prevention and preventive care and screening recommended by the Health Resources and Services Administration. See the list on healthcare.gov.
