January 1st, 2014 is right around the corner and that means many Americans who don’t have insurance soon will under the Affordable Care Act. If you are one of those Americans, we encourage you to carefully review your new plan.
Do you have a deductible? Any out-of-pocket costs?
Not familiar with how deductibles work? Most people aren’t. In fact, according to a study published in the Journal of Health Economics, only 14 percent of Americans understand how deductibles and other key elements of their insurance actually work.
To put it simply, a deductible is a certain amount of dollars that must be met before an insurance plan “kicks in”. It’s possible some families may even have to pay nearly $13,000 in an out-of-pocket or deductible dollars before their plan starts paying.
It isn’t all doom and gloom, though. The nice thing about high deductible plans is that they typically carry low monthly premiums and still provide coverage if anything catastrophic were to occur.
What can you do if you have a high deductible plan? Well, you can leave it as is and pay for your visits and services before meeting your deductible or…
You can consider signing up for our Medical Membership to supplement your high deductible plan. At only $129/month for a family ($1,400 for the entire year ), you’ll have unlimited access to our facilities and services (Primary/Urgent care visits, XRAYs, labs & more) at no cost and can avoid having to pay for visits that you would normally have to pay for because of your high deductible plan.
The yearly cost of a Medical Membership is only a fraction of most high deductible amounts.
Fall back on your high deductible insurance for anything serious or catastrophic and use your Medical Membership for everything else!
To learn more about our Medical Membership, visit UrgentCareMembership.com or call 916-678-5294.
