h, says the regulation exemption is an early surprise in a complex law.  "There are just hundreds and hundreds of provisions that most people, even those who think they're informed, don't know about it," she said. "You can count on every year, for the next six or seven years as this unfolds, that we are going to discover provisions that no one was aware was in that legislation."  Wilensky is on the board of an insurance company whose Medigap plans are sponsored by AARP. She said the Medigap plans should not be included as part of the rate review anyway, but that neither should the other plans. "States have the right to regulate insurance," she said.  So did AARP get a break? It escapes certain health care overhaul regulations -- such as a restriction on insurance industry executive pay and a tax on insurance companies -- but AARP is not an insurance company.  But the Medigap plans, one of several kinds of health insurance plans AARP sells, will avoid the new rate reviews.  Under that system, insurers seeking increases of 10 percent or more would have to publicly justify them. Those plans would then be either scrutinized by the state or the federal Department of Health and Human Services.  HHS Secretary Kathleen Sebelius has promised to study supplemental Medicare insurance costs, but she notes the federal government has no authority to order changes.  An AARP representative could not be reached for comment.  Meanwhile, the White House continues to portray insurance companies as the bad guys of the health industry.  "I think there's genuine benefits that the lawcreenings include:Mammograms to screen for breast cancer every one to two years for women over 40Regular pap smears to screen for cervical cancer for sexually active womenColonoscopies to screen for colon cancer for adults over 503. Health education counselingWant to quit smoking but don't know how? Need advice on how to cut down on alcohol? Health counseling is fully covered to help you achieve these goals and others, such as how to improve eating habits and treat depression.Counseling is eligible for coverage if it comes from your primary care doctor or a specialist or program referred by your doctor. Talk to your physician and check with your insurance plan to see what is covered."For decades our health care system has waited to treat people until they get sick, but the Affordable Care Act shifts the emphasis to disease prevention and management as well as improved wellness and quality of life," Seffrin says.4. Routine vaccinesYou don't have to pay anything out of pocket to get your kids immunized, except perhaps a copay for an office visit if the immunizations are billed separately. Fully covered vaccines include hepatitis A and B; tetanus, diphtheria and pertussis; measles, mumps and rubella; varicella (chickenpox); and other standard recommended shots. Routine vaccines for adults are also covered.5. Flu shotsEach year, somewhere between 5 percent and 20 percent of the U.S. population gets the seasonal flu, according to the Centers for Disease Control. Most people recover, but flu can be lethal.New plans now must fully cover the cost of flu shots. The CDC recommended vaccination for everyone 6 months and older during the most recent flu season.6. Counseling and screening for healthy pregnanciesThe U.S. infant mortality rate is about seven deaths for every 1,000 live births, disturbingly high for an industrialized nation, according to the U.S. Department of Health and Human Services. About 8.2 percent of babies have a low birth weight, an increase of 17 percent since 1990.Under health insurance reform, fully covered services during pregnancy include:Screening for conditions that can hurt women or their babies, including iron deficiency, hepatitis B, a pregnancy-related immune condition called Rh incompatibility and a bacterial infection called bacteriuriaCounseling from a doctor to help pregnant women quit smoking and avoid alcoholBreast-feeding counseling and education to help nursing mothers. 7. Well-baby and well-child visitsChildren in the United States receive recommended health care less than half of the time, according to a 2007 study from the RAND Corporation, Seattle Children's Hospital Research Institute and the University of Washington School of Medicine.Under health insurance reform, fully covered services include:Screenings and health counseling to prevent and treat obesity among children, depression among adolescents, and dental cavities and anemia.Routine vaccinations and boostersWell-child visits to the doctor from birth to age 21 8. HIV and sexually transmitted disease screening A new system to track HIV infection estimates that 56,300 U.S. residents were newly infected with the disease in 2006, the latest year such statistics are available, according to the CDC.Screening for HIV and sexually transmitted diseases and behavioral counseling to prevent infection are now fully covered:9. Osteoporosis screeningOsteoporosis occurs when bones become more porous and lose mass, making them susceptible to fract