What Do I Need To Know About My Insurance Benefits?

Dealing with insurance plans can be challenging, especially when you are already stressed and worried about health issues you or a loved one are experiencing. For this reason, it is best to understand your benefits before you need to use them.

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First, you should call the number on the back of your insurance card to understand if there are co-pays or deductibles you will pay out-of-pocket when visiting with one of our providers.

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While most of us are familiar with the co-pay made at the beginning of your visit, the addition of deductibles to many plans is new and can be complicated. 

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The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself.. After you pay your deductible, you usually pay only a copayment or coinsurance for covered services. Your insurance company pays the rest.

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• Many plans pay for certain services, like a checkup or disease management programs, before you've met your deductible. Check your plan details.

• Many health plans pay the full cost of certain preventive benefits even before you meet your deductible. 

• Some plans have separate deductibles for certain services, like prescription drugs.

• Family plans often have both an individual deductible, which applies to each person, and a family deductible, which applies to all family members.

Generally, plans with lower monthly premiums have higher deductibles. Plans with higher monthly premiums usually have lower deductibles. Please check with your employer or call your insurance provider to find of if you have a deductible and if so, what the amount is.

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