We know that your end-of-year to-do list is probably filling up fast with holiday planning, but taking care of yourself has to remain a priority. Between Thanksgiving and December holidays, we tend to put others first, but making time to visit our chiropractic clinic can ensure you feel your best throughout the season, and, if you have health insurance, it makes financial sense to schedule now before the year ends. Here’s why:
Understanding Your Deductible
If you’ve met your deductible for the current year, you may pay little or nothing for certain procedures at our chiropractic clinic in Vancouver. But remember — health insurance benefits reset at the start of each year. That means that come January 1, your deductible will reset and you’ll have to pay out-of-pocket for many procedures and treatments until you meet it again. If you’ve already met your deductible for the year, making an appointment for chiropractic services during December is a great way to get all the benefits you deserve.
Similarly, if your health insurance has out-of-pocket maximums, check to see you’ve already met yours for the year. If so, your chiropractic care could be completely covered through the end of 2021.
Consider Government Savings Plans
If you already invest in a government savings plan, double-check your benefits to see if they will cover expenses not included in your health insurance plan. If you don’t already have a savings plan, consider starting one in the new year to protect your health and finances.
Health Reimbursement Accounts (HRAs)
HRAs are provided by employers but are only active for current employees. While the benefits do roll over year-to-year, if you’re planning on switching jobs soon, you may want to think about using your benefits before 2021 ends.
Health Savings Accounts (HSAs)
Need to pay for medical expenses not typically covered by health insurance? These tax-free savings plans can help cover your deductible, prescriptions, co-insurance, dental care and vision care. Your benefits stay with you, but again, it may make sense to use them before the year is up if you haven’t met your deductible yet but need chiropractic or other medical treatment.
Flexible Spending Accounts (FSAs)
Unlike the other two government savings plans we mentioned, FSA benefits do expire at the end of the year. If you have an FSA with remaining funds, make sure to use them by December 31 to avoid losing money.
We understand that the end of the year is a busy time, but making your health a priority is important. For your convenience, we offer same-day and walk-in appointments at Forgey Chiropractic, and we are open 6 days a week to serve your needs. If you have questions about your insurance or our services or would like to make an appointment before the year is through, please give us a call at 360-573-5500 today.