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Preventive care, also called wellness care, is health care designed to promote healthy well being. While it might seem very altruistic of insurance companies to pay for preventive care, the truth is that it is in their best interest to keep subscribers healthy. It costs them far less to pay for annual physicals and routine screening tests than it does to pay for treatment for preventable conditions and diseases. Which preventive care services are covered vary from insurer to insurer, so pay close attention to plan details when shopping for insurance or comparing employer-sponsored plans.