Understand Your Insurance Plan Benefits
Most health insurance plans have a deductible requirement‚Äîa predetermined amount of health care expenses that must be covered before the plan begins paying the majority (if not all) of expenses related to necessary medical care.
If you have been putting off scheduling prescribed care, annual check-ups or recommended screenings, it would be wise to check your deductible status and plan benefits. This can be an ideal time to access health care services if you have already paid your deductible in full. The key is to obtain all the health services you need before December 31, because with the new year comes a new deductible.
If you have Flexible Spending Accounts (FSAs) ‚Äì check your balance. These accounts, which hold pre-tax dollars set aside to pay for healthcare-related expenses, must be depleted by the end of the year or the money is forfeited. This adds another incentive to schedule services now: ensure your hard-earned dollars are spent, not lost.
It‚Äôs important to schedule services now, so there is enough time to have the necessary test or procedure completed before the end of the year. Getting everything squared-away by early December will help ensure the services you receive are considered part of your 2015 coverage.
Every health plan is different. It is important to know how your plan works so you can get the most from your benefits.
Understand your health plan benefits. If you have questions, access your plan provider‚Äôs resources, or talk to your plan administrator or your insurance agent.
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