Many recommended preventive services have no copay on Marketplace plans when you stay in network. That is a coverage rule, not a promise that every office visit is free.
Example: a scheduled annual checkup that the plan lists as preventive may show $0. A follow up scan after a finding is often billed as diagnostic. Illustrative only.
Ask the clinic to confirm the billing code before the visit. Your licensed agent can read the Summary of Benefits with you.
Your licensed agent can read a deeper version in Field Notes: open the broker article.
FAQ
Short answers you can use on a call with your agent.
Does $0 apply if I am out of network?
Usually no. Recommended preventive services at $0 apply when you use an in network provider and the service is on the preventive list. A diagnostic test after a finding can have cost sharing.
Devkrest