Maximize Your Health Benefits
Get the most of your health benefits
before the end of 2016
Here at Excel Chiropractic, we want
to help you get the most out of your health insurance benefits, possibly saving
you money in the future, before we wrap up on 2016. The holiday season has
arrived and your calendar is filling up with obligations. But, even though your
time is already limited, it might be worthwhile to add a few chiropractic
appointments to your schedule.
Here are four common scenarios that can help you make the most out your time,
money, and benefits:
1. You've Met Your Deductible
This is the amount you must pay of your health care before
your insurance starts covering a portion of the cost. This amount usually
resets at the beginning of the year, so if you have met your deductible, or are
close to the cut-off, your medical care will rendered at a lower cost to you
until the end of the year.
2. You Have Money Left in Your Flex Spending Account
If you set up a flex spending account, you were able to contribute pre-tax
money to it each year and use that money for qualifying health expenses. If you
have funds left in your FSA, or you are over your rollover limit, it’s time to
spend the money.
3. Take Advantage of Benefits that may be Changing in 2017
Carefully review the information about your insurance benefits, and see if any
benefits are being cut or reduced in 2017. This may include: rising co-pays,
switching to a deductible only plan, fewer chiropractic visits that are allowed
per year, etc. If you will be affected by any changes, get the most out of your
coverage now before the cost of your treatment goes up.
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There are many ways of addressing chiropractic
needs now, instead of waiting until next year that can save you money. As
always, if you have any questions or concerns regarding your health insurance
benefits, just give our office a call. We are all well versed in the
ins-and-outs of insurance and would be more than happy to help.
