A Spotlight on STDs, Their Insurance Coverage & Policies.
Date: June 28th, 2020
Your Guide to STD Prevention and Treatment Services
STD are pathogens that spread from one individual to another through sexual contact and intercourse. Sexually transmitted diseases can affect both your reproductive and overall health. You also have to spend on treatmentin case you test positive for any.
STD prevention and treatment services exist within the medical insurance sector to help patients cover STD-related expenses. Several firms offer different medical insurance policies that appeal to the client's needs depending on the medical needs.
Abstaining from all Sexual intercourse activities is the best way to steer clear of sexually transmitted diseases. Still, most people tend to overlook this option and move to consider other protective measures. Condoms, for example, are an effective protection mechanism if you use them consistently and properly.
Some individuals ignore these protective measures and engage in risky sexual behavior. If this happens to you, then STD prevention and treatment services is the best way to go.
STD Manifestations That Should Warrant an Immediate STD Screening
STDs tend to come with some typical and misleading manifestations. If you notice one or all of them, and have reasons to suspect an infection, then you should seek prompt medical assistance. Early laboratory STI screening helps to identify an ailment early in its development stage.
Early identification allows for prompt treatment ensuring the STI doesn’t spread and cause additional harm to your health. Here are typical manifestations of various STD and what they may imply.
- Itchy Genitalia.
If you always get an irritating urge to scratch your genitals, then you may have an STD. Chlamydia causes an itching sensation in the nether regions. Other ailments, such as genital lice, may cause itching.
Some people tend to buy therapeutic powders that serve to relieve the itching. However, pharmaceuticals don't assist in treating the STD, causing the itch.
- Blood or any other abnormal oozing from genitals.
Oozing refers to any liquid or solid matter that comes out of sexual organs or anus when a person has an STD infection. Discharge can be an indication of gonorrhea, thrush, or trichomoniasis. Bleeding outside the menstruation period may indicate a Chlamydia infection.
- Warts, lesions, and other Unusual Injuries.
Warts, wounds, and bruises on sexual organs are significant symptoms of STDs. Manifestations may be painful, whereas others can pain-free. Even if they are pain-free is essential to get appropriate medical attention.
HPV manifests in the appearance of warts; on the other hand, herpes appears as sores. Early testing and treatment may help in ensuring the diseases do not cause any complications.
1. Sore Sexual Relations.
Sex shouldn't be a sore affair. If you ever experience painful sexual intercourse, then there is something wrong with your reproductive health.
Diseases such as herpes, gonorrhea, and syphilis can lead to sore sex. If you feel pain or discomfort during intercourse, it is best to undergo screening.
Confidentiality Is a Critical Component of STD Prevention and Treatment Services.
Patient information confidentiality is a significant factor when it comes to STD insurance policies. Many people, especially teens don’t want to be linked with STD screening. Such people fear that their personal or medical information will leak to other individuals.
In the USA alone, more than 17 states allow medical service providers to inform parents or guardians if their teens seek STD prevention and treatment services.
In recent years, the Trump government has come up with new stringent regulations that relate to minors and sex. Nowadays, the government encourages families to collect and have information on their minors' Sexual intercourse activities, including the age of their sexual partner.
Such regulations create the concern that minors will not be willing to come forward when they contract STDs. Having a conversation on sex with your parents is already an awkward process, imagine if you have to talk about STDs.
The Three Main STD Related Medical Services You Can Access within the US.
Most STD medical insurance policies cover almost all the costs that may arise due to an STI. Some insurance policies even cover prevention and laboratory STI screening costs.
Within the US, you can access prevention, diagnosis, and treatment services quickly by using private or government insurance firms. Here is a breakdown of what the private and government sectors have to offer.
The private sector offers many different insurance policies that cover STD prevention and treatment costs. All private insurance firms abide by the Affordable Care Act.
It states that most medical insurance policies should provide preventative measures such as regular HIV and other STDs screening. Such an assessment should come at no extra cost to the policyholder.
Grownups also have the option to receive the US Preventive Services Taskforce recommended vaccines as well as other preventive measures at no extra expense. Currently, twelve states require private insurance firms to cover OTC contraception costs for females.
Nowadays, it is possible to acquire an insurance policy that only covers STDs and STIs. Such a system only pays up if you require STD-related preventative, diagnostic, or therapeutic care. If you actively engage in sex, then such an insurance cover is the best choice for you.
The US government offers several STD prevention and treatment measures that include but are not limited to Medicaid and Uninsured care services.
Medicaid is powered by funding from both federal and state administrations. It covers people with low wages and income. Currently, 37 states are expanding their Medicaid policies to include STD testing and emergency STD treatment, such as the PrEP.
All new members to the cover have access to these STD services at no extra expense. Finally, several states offer a family planning policy within the cover that handles most STD testing costs and some treatment expenses too.
Uninsured Care Services:
In the US, about 20 million people do nothave a medical insurance cover. This group gets medical care through government-sponsored and NGO supported clinics who are dedicated to STD prevention and treatment services.
Your STD Testing Payment Options: The Do’s and Don’ts
You have a couple of payment options when comes to STI testing but not all of them will work for you.
- Using Cash.
Pay in cash is the most expensive way to fund your STI testing and treatment. Why? Because as hinted earlier, you may not know how much you need—or whether you’ll need a single test or full screening test.
A full screening test can be expensive to pay out-of-pocket especially if it is an urgent test that you had not planned for.
So this option is dangerous because you may run out of cash when a doctor has recommended further tests.
Most of us have some form of health insurance. Regrettably, most of those plans hardly cover STD testing.
STD screening and testing can be very costly. No wonder insurance firms don’t include regular testing in their products. It’s ironic they are more willing to fund your treatment after an infection than finance your preventive healthcare.
- Health Savings Account.
Paying for STD tests and treatment through a health savings account is so far the best way to pay.
All individuals registered to a high deductible healthcare plan (HDHP) are eligible for a Health Saving Account.
This specific savings account is great because it allows you to make non-taxable deposits. An account owner can also rely on this account for withdrawals of some health expenses deemed fit but are not part of the cover.
A health saving account can help you sort you STD testing bills and treatment and still maintain your secret.
Leftover funds from these accounts can be pulled out at age 65.
Here are 2020 facts about Health Savings Account (HSA) funding as posted in Healthcare.gov
- For HSA, individuals with High Deductible Healthcare Plan (HDHP) can deposit up to $3,550 for Self-only coverage and up to $7,100 for family coverage.
- Any unspent HSA funds are transferred to you next year’s plan (year after year).
- A HSA may earn tax-free interest as well as other earnings.
- Some firms offer HSA for their High Deductible Healthcare Plan. Consult with your insurance cover provider.
And remember, you can Open a HSA account through a banking or financial institution.
You realize a HSA is you best option when it comes to paying for STD testing services. Apart from availing instant finances when a test is urgent, nothing goes into record. Your healthcare provider may keep some records though. But that shouldn’t be problem.
Lastly, you can also use these funds to finance regular STDTesting activities to keep track of your sexual health.
STD prevention and treatment services seek to help people pay for STD-related bills. Early screening and appropriate treatment is essential in treating and managing STDs. In the US, both the government and private sectors provide STD medical insurance.
For those who don’t have medical insurance, try government and NGO sponsored clinics offer routine STD services to the general public. STDs can develop into life-threatening ailments. If you ever suspect you have an Infection get appropriate testing as early as possible.