New year, new deductible
For many, the New Year brings a new deductible to fill with their insurance plans. Until the deductible is filled, medical services tend to cost more. As patients plan out yearly scheduled medical needs like mammograms and physicals as well as those unscheduled visits, there are some tips to remember that might save money.
Vicki Richter, an office supervisor for Imaging Specialists, explains, “One tip that is very important is to use an “in-network” provider. If patients go out of network the charges may be different and services are applied differently to the deductible.”
Richter says to make sure and check the insurance plan before scheduling an appointment. She explains, “People often confuse deductible with co-insurance. A deductible is a certain amount that a patient pays before the insurance will reimburse. In addition, it is important to remember that even Medicare patients have a deductible that will need to be filled. For 2013, it is $147.” Another tip to remember is utilizing the medical facility to help navigate and file insurance claims. Richter states, “At Imaging Specialists, we have financial counselors on hand to help patients. It can be a confusing process, and we are happy to help them.” To schedule an appointment with Imaging Specialists or for insurance coverage questions, call 843-881-4020.