Are you getting the care your plan already pays for?
This isn’t a score of how healthy you are. It’s whether the screenings due at your age are done, and covered at $0 by your plan. Opt-in, and never shared with an insurer.
Needs your age · about 30 seconds
Not an insurer, agent or broker. CoverScore doesn’t sell insurance.
A relative ranking of preparedness among households like yours — not a probability.
Completing one screening colonoscopy cut the 10-year risk of dying from colorectal cancer in half — 0.15% vs 0.30% — but 58% of trial invitees never showed up.
hlth.colonoscopy.arr
56% of adults turning 65 will develop a serious long-term-care need — but only 45% will ever receive paid care, average paid duration is just 0.8 years, and 1 in 7 will spend $100,000+ out of pocket.
hlth.ltc.need
Mostly up to date. One screening is due and covered at $0.
Top flag: Colorectal screening due at 45, covered in full by your plan.
Illustrative numbers for age 47. Your report shows your own, with its confidence range. The score is a ranking, never a probability.
- on track
- watch
- act now
Three questions: what’s due, what’s done, what’s paid for.
We use the US Preventive Services Task Force A and B list and the ACA rules that make them free. Your history makes it personal.
Screenings recommended for your age and sex.
Weight 35% · read from USPSTF
Last date of each screening.
Weight 35% · read from your answers
What your plan covers at $0.
Weight 30% · read from HHS ACA list, your plan
What stands out first
- mediumColorectal screening dueRecommended from 45. A free home kit counts.
- lowShingles vaccine due at 50Covered at $0 on most plans.
What you can do about it
- Order a FIT kit+8 pts (sample)Free / DIY$0 on most plansyour doctor
- Book the overdue physical+5 pts (sample)Free / DIY$0your plan
- Check what your HSA covers+2 pts (sample)Free / DIY$0DIY
Know what your plan already gives you.
Most people pay for things their plan covers. Add your benefits booklet and we list what’s free.
- CoveredPreventive care at $0Required by the ACA on most plans.
- Below estimateShort-term disabilityCheck the waiting period.
- Not coveredHSA contributionsUnused employer match.
- FreeFree option: Order a FIT kitListed first in the fixes above. Nothing in this table is a recommendation to buy.
CoverScore provides general educational information about insurance, not insurance advice. We are not a licensed insurance agent, broker, or consultant. Figures shown are drawn from your own policy documents and from published sources, which are cited. For advice about your specific situation, talk to a licensed insurance professional.
Where the data comes from
3 places checked for this score. List last reviewed 2026-11-02.
- USPSTF A & B recommendationsreviewed 2026-11-02
- CDC adult vaccine schedulereviewed 2026-11-02
- HHS ACA preventive services listreviewed 2026-11-02
Four steps, free first
- Step 1
Add what it needs
Needs your age. About 30 seconds.
- Step 2
We check the sources
Public and licensed sources, each cited with its review date.
- Step 3
Read the score and its range
A ranking with an honest confidence band, never a bare number.
- Step 4
Start with the free fixes
Free and DIY options are listed before anything paid.
Plain answers
Is this a health score?
No. It’s a coverage score: what’s due and whether your plan pays for it.
Do insurers see this?
Never. Health is walled off from every insurance view.
Do I need to share records?
No. Your age is enough to start. Records are optional.
Save to your vault
A report is a snapshot. Your vault keeps it, and shows what changed.
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