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December 2019

It’s a new year and most insurance plans are about to reset on January 1st.  That means it is a great time to get refreshed with your insurance plan options and a great opportunity to set up a care schedule in 2020.     Let’s talk about health insurance!!   It still shocks me how difficult it can be to navigate our healthcare insurance.  It wasn’t until I started taking courses on insurance billing that I truly started understand what healthcare benefits look like and how to use them. These classes were geared towards practitioners being able to bill insurance companies for their services but this basic knowledge is critical for anyone who has and uses insurance.     I’m no expert, but I’m here to help you navigate.  The best way to start this conversation is by breaking down terminology. So, here we go!   Deductibles.  Ugh.   Deductibles are specific dollar amounts that need to be met before insurance will kick in and start paying.  Basically, you pay out of your own pocket for the service until you hit your deductible total. You can think of them like financial hurdles.  Inconvenience for you, but convenient for the insurance company.     In-Network versus Out-of-Network Ask your provider.   Insurance plans generally have two separate