How to Make the Most of Your Health Care Now
Are you insured? If yes:
Find out if you have met your deductible (and ask about your coinsurance and out-of-pocket maximums too) by contacting your insurance provider.
If you have met your deductible or you’re close, you can save big by scheduling your vital health care appointments and preventive screenings now.
Deductible or coinsurance not met? Or, are you uninsured?
Don’t panic. You can still get high quality, low cost care at an independent ambulatory surgery center (ASC). ASCs, like Central Texas Endoscopy provide expert GI health care at a much lower cost than you might pay at a hospital or hospital-affiliated center.
Are you worried you can’t afford the health care you need?
There is no need to worry. Payment plans are available to ensure your get the health care you need, even when your budget is limited. The friendly staff at the center billing office can review your options.
Plan Ahead to Make the Most of your Health Care Every Year
To make sure you don’t waste precious dollars next year, you need to make the right decisions now.
When open enrollment begins at your workplace, it is time to do your research. Choosing the wrong plan could result in large and unexpected costs in the future.
Before you choose, ask yourself:
How much did I spend on health care last year?
When calculating your health care costs, be sure to include copays, coinsurance, prescriptions, and other out-of-pocket expenses, as well as your premiums. When you are comparing plans for the new year, check to see if your deductibles, coinsurance, and/or copays will increase.
How much am I likely to spend on health care next year?
Are there any health problems, procedures, prescriptions, or screenings that mean you will require extra care over the next year? Are you having a baby? Do you take regular prescription medications? Before choosing a new health care plan (or opting to remain in your existing one), make sure you know exactly what coverage it will provide for these health events, and whether a higher copay or coinsurance will be required.
Will I still be able to see my preferred health care providers?
If you have preferred health care providers, it is important to make certain those doctors and/or facilities are in-network for any plan you are considering. Using out-of-network providers could prove costly, so you need to weigh the value of paying a higher premium to see your preferred providers or choosing new doctors that fall under a new plan with lower premiums.
Will an FSA or HSA be available with my plan?
Flexible spending accounts (FSA) are available with most insurance plans and can provide useful tax savings.
Health savings accounts (HSAs), which provide even more savings and benefits, are available if you choose a high deductible health plan. If your employer doesn’t offer one, you can enroll at certain financial institutions.
Why ASCs are a Great Choice for Your Health Care
Independent ambulatory surgery centers like Central Texas Endoscopy offer:
- High quality care that fits your budget
- Fellowship-trained gastroenterologists who meet or exceed practice standards for quality
- Industry-leading certifications for safety
- Fees that are a fraction of those charged at a hospital or hospital-affiliated center
- Cash payment options and payment plans to suit you
- Accessible parking and convenient curbside drop-off and pick-up
Whether you are considering new health care options for the new year or need care right now to maximize your deductible, the team at Central Texas Endoscopy can answer all your questions and discuss affordable options for managing your GI health care. Contact the center today to learn more or schedule an appointment.