We’re still a good ways off from ringing in 2016, but if you’re looking to get the most out of your health insurance this year, the clock is already ticking. That annual deductible you’ve been paying towards all year long will renew in January, which means now is the time to schedule that ortho procedure you’ve been keeping on the back burner.
Most insurance policies have a deductible – a set amount of money that must come out of your pocket before your insurance starts to pick up the bill. Your deductible starts at zero at the beginning of January, and each time you receive medical services or prescriptions, you pay towards your deductible until it has been reached. Once your deductible has been met, you can really start making the most of your insurance plan. Surgeries, doctors' appointments, physical therapy sessions and prescriptions will be covered mostly by your insurance for the remainder of the year.
Cost is always a primary concern when it comes to receiving medical care, but being smart about your insurance plan and using it to your benefit is one of the best ways to save money and take good care of yourself. If your doctor has recommended joint replacement, ACL reconstruction, rotator cuff repair or spinal surgery, you’re not doing yourself any favors by putting off the procedure. Your problems will still be there next year, only they’ll cost you a lot more money. You also run the risk of your injury growing worse over time, which could mean higher bills and longer recovery time.
The last few months of the year are often the most difficult to get an appointment as offices close for the holidays and patients rush to schedule year-end procedures. Get ahead of the game and schedule your appointment today. Not only will you save yourself a nice chunk of change, but you’ll be feeling better in time for the holidays. The only regret you’ll have is that you didn’t schedule it sooner!