As autumn arrives, it marks the conclusion of the health plan year for numerous Americans. This is an ideal time to assess whether individual and family deductibles have been met.
If so, you may ask your physician for a referral for online speech therapy. Great Speech virtual speech therapy services can help you take the next step towards improving you or your child’s speech and communication skills.
To make the most of your health coverage and ensure receiving the care you need, it’s essential to plan carefully and maximize your health benefits before December 31st.
How to Know If You Hit Your Deductible?
Before you take any action, review your health insurance plan to understand its coverage, benefits, and limitations. Familiarize yourself with the services covered, deductible amounts, co-pays and any restrictions that might apply. Check if there are any services or treatments you’ve been postponing due to cost concerns or other reasons.
Read your plan coverage to ensure your deductibles have not changed from year to year. Know precisely what amounts make up the baseline of your deductible. Under the Affordable Care Act, health insurance companies must provide a summary of benefits in simple, understandable language.
Reaching your deductible means your insurance may cover more or all of your eligible medical expenses, saving you money in the long run. If you have hit your deductible, it’s an excellent opportunity to schedule an appointment with a Great Speech therapist.
Other Deductible Cost Saving Strategies
Kiplinger, a personal finance site- recommends several strategies for maximizing health insurance benefits. These include:
- Contribute or enroll in an HSA or FSA account: If your employer offers an HSA or FSA account, these are pre-tax dollars that allow a tax deduction for covered medical expenses. Such expenses then, in effect, lower healthcare costs.
- Stay in Network: No matter the care – primary, specialty or therapy – make sure your provider accepts your health insurance.
- Take advantage of telehealth services: The pandemic proved that patients and providers adapt well to virtual, as opposed to in-person, care. At Great Speech, we have built our care model from the ground up for telehealth. We pioneered the virtual speech therapy space to serve those with communication and speech disorders.
Benefits of Virtual Speech Therapy
We know your time is valuable so let us come to you. Our virtual speech therapy sessions allow you to develop or improve speech and communication skills from the comfort of your home – so you won’t need to worry about any transportation or geographical restriction that may be hindering access to care.
Together, we will develop a personal plan because no one size fits all. We match our patients with licensed speech therapists based on their subspecialities and experience in the field, so we can ensure we have the best possible therapist for you.
As the year comes to an end, taking advantage of your health benefit is a smart and proactive approach to safeguarding your well-being. By reviewing your health plan, assessing your deductible status, utilizing flexible spending accounts and exploring additional health services, you can make the most of your health benefits before they reset.
Prioritize your health and seize the opportunity to invest in your well-being before the new year begins. Remember, staying on top of your health today can lead to a healthier and happier tomorrow.
If you or your child is experiencing speech and communication challenges maximize your benefits by scheduling an introductory call today.