Utilize Your 2024 Health Insurance Benefits!
The end of the year is approaching quickly, and for many, this may mean you have already met your health insurance deductible. If that applies to you, now is the perfect time to utilize your health insurance benefits by scheduling appointments or exams you may have been putting off due to high out-of-pocket costs. Your cost for diagnostic or preventative radiology (health screening exam) may be significantly reduced, or even completely covered, depending on your individual health insurance plan.
What Is a Health Insurance Deductible?
A health insurance deductible is the amount of money you pay out of pocket for medical expenses before your insurance policy starts paying. For example, if your deductible is $2,000, you will be responsible for paying all of your health and medical expenses until you reach the $2,000 mark. Once you have met that $2,000 deductible, your health insurance provider may begin paying for a large portion, if not all, of your medical care costs.
Understanding your deductible can help you utilize your health insurance benefits. If you are unsure if you have met your deductible, contact your health insurance company for information on your deductible status.
Schedule Your Exams Before the Policy Year Ends!
If your insurance plan operates in a calendar year, try to schedule your exams at least 2 weeks before the end of the year. Once the new year begins, your deductible will reset, and you will be responsible for payment up until you meet it again.
We Accept Most Major Insurances
Health Insurance Deductible FAQ's
*The following may vary by insurance provider.
What happens after I meet my deductible?
After meeting your deductible, you only pay a copay or coinsurance for covered services. For example, with 80/20 coinsurance, you pay 20% and your plan covers 80%.
Why does the new year matter for deductibles?
Many insurance deductibles reset on January 1st. After that, you will need to meet your deductible again before your insurance plan starts covering medical expenses.
Why do deductible resets matter?
A reset means you pay out-of-pocket again. If you have met your deductible, schedule appointments before the reset to save on healthcare costs.
What are the different types of health insurance plans?
High-deductible plans have lower premiums, while low-deductible plans have higher premiums. Choose based on your healthcare needs and budget.
How can I utilize my health insurance benefits?
Schedule imaging exams and procedures before your deductible resets to make the most of your coverage. Choose our outpatient imaging center as an affordable option.
What if my deductible resets at a different time?
If your deductible resets on a different date, plan your imaging exams around that schedule to maximize savings.
American Radiology - Experience & Expertise You Can Trust!
For patients seeking affordable radiology exams throughout Southern Maryland, choose American Radiology to maintain or exceed the quality and convenience of your imaging experience. If you have a referral from your physician, schedule online and receive top-notch imaging care with us today.