In an effort to offer our patients the best possible care at an affordable price, Orthopaedic Specialists, PC has partnered with Physicians’ Clinic of Iowa (PCI). As two independent physician organizations, both PCI and Orthopaedic Specialists place the highest value on efficiently performing a comprehensive selection of leading medical procedures. By combining forces, we are able to lower costs while continuing to deliver exceptional care.
The healthcare industry is constantly evolving. Our team of board certified orthopaedic surgeons and medical professionals wants to ensure that, as things change, patients retain access to the best care and treatment available. PCI is well-equipped to handle modifications in payment methodologies, and it has experience navigating developments and innovations.
This collaboration also prioritizes the patient-doctor relationship and helps our physicians maintain an active role in each person’s healthcare. Consolidating our practices enhances efficiency, expands resources, and develops a greater system of support. As a result, we hope to see high patient satisfaction.
We always welcome your feedback, and we encourage you to reach out to our friendly and knowledgeable office team to learn more about this merger.
Most health care plans include a deductible. The deductible is the amount you are obligated to pay before your health insurance begins covering the cost of certain treatments (or tests) either in full or with a co-payment. Health care plans are renewed yearly, typically at the end of the calendar year. That means your deductible will be reset on January 1st, 2016. At the end and at the beginning of each year, you have a unique opportunity that can help bring down your cost of your medical care. Dr. Tyson Cobb and the Orthopaedic Specialists team want to help you maximize your benefits by scheduling treatment when it best suits your needs and goals. Here are some tips to make your health plan work better for you.
If your deductible is paid off or nearly paid off for 2015, now is a great time to schedule treatments or procedures. With the deductible close to or completely settled, your insurance should cover most (or potentially all) of the cost of your medical care. This can significantly lessen your financial burden for surgery or costly diagnostics like an MRI. It’s important to speak with your insurance provider to discuss the specifics of your coverage before proceeding.
If you’re not close to paying off the deductible, you can delay your procedure until the beginning of next year. Although the cost will be primarily your responsibility, you may eliminate a majority if not all of your deductible early in the year. Any further medical needs should then be covered, excepting co-pays or non-covered services. Again, you should review the terms of your plan before making any firm decisions. The Orthopaedic Specialists team has insurance specialists who can assist you with this decision.
Another option is to use your Flexible Spending Account (FSA) if you have one. This money is yours to use for medical needs as you see fit, but the funds disappear at the end of the year. December 31st, 2015 is coming up, so now is the time to schedule your treatment and use that line of revenue before it goes away.
Your health care plan should make the treatment you need more affordable, and we can help. Contact us today for more information or to schedule a consultation with one of our orthopaedic surgeons.