Make the Most of Your Health Insurance Before the Year Ends!

The year is quickly coming to an end. With busy family lives, it is easy to forget some important things to take advantage of before the new year starts, specifically with you and/or your family’s health insurance.

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Here are some things to look at when it comes to insurance, before the year ends:

Have you met your deductible?

  • If have indeed met your deductible for the year, take advantage it!

    • Think about: labs you need or want, or last minute specialty testing

  • If you have NOT gotten close to reaching your deductible or out of pocket max, what can you do?

    • On the positive side, you’re healthy! To get the most value out of your plan, take advantage of the covered preventative services. Appointments like, Well Woman Visits, Breast Exams, and Annual Physicals. If you have vision and dental insurance, get your eye exam and teeth cleaning.

How much is left on your HSA, if you have one?

  • If you have an HSA account, it is time to use it up!

    • Stock up on supplements.

    • If your family does any alternative medicine therapies, see the chiropractor, acupuncturist, etc.

How can you prepare in choosing for a plan next year?

  • For people who purchase their own plans, insurance will publish new 2020 plan options and rates around November 1.

  • If you get your insurance at work, your employer has most likely already works with an insurance broker to choose plan options. Check in with your employer about the changes.

Health Foundations Birth Center + Women’s Health Clinic provides Well Woman Care and there are many other specialties that fall within the scope of that care. If you are looking for appointments before the end of the year, give us a call. We have three different locations, St. Paul, Minneapolis and Hudson. We are in-network with all major insurance companies.