Get the most out of your health insurance

As the holidays approach, it’s easy to forget to take advantage of your insurance benefits. Now is a good time to review your unpaid healthcare needs and make the most of the funds available in your prepaid deductible or flexible spending account.

“When discussing your health care needs with your doctor, you should also consider the best strategy for taking advantage of the benefits of your health insurance plan,” says Patricia, family physician at Merit Health’s primary care clinic in Petal. Campbell, M.D., said. She “can take advantage of unused benefits by completing excellent treatment or recommended tests and procedures before the end of the year.”

Most health insurance plans have deductible requirements. This is the prescribed amount of medical expenses that the plan must cover before it can begin paying most (if not all) of the remaining costs. Campbell says it’s important to know how close you are to reaching your deductible or if you’ve already met your deductible. according to your plan. The coming New Year comes with new deductibles,” she says.

By the end of 2022, it will also affect individuals with a Flexible Spending Account (FSA), a pre-tax amount set aside primarily for health-related expenses. The Internal Revenue Service requires that these funds be used (or confiscated) by him by December 31st. It’s important to make sure those funds are used so that they aren’t wasted, he said.

If you’ve postponed schedules such as annual checkups, allergy tests, or elective surgeries, it’s a good idea to check your deductible status and FSA balance to see if you have money to save. increase.

“It is important to schedule your service immediately to allow enough time to complete your inspections and formalities by the end of the year. It will ensure that the services we provide are taken into account,” she says.

All health plans are different. To get the most out of your benefits, it’s important to understand how your plan works. To make an appointment with a primary care provider and find out what benefits are available before the end of the year, please visit:

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