With the holiday season well behind us, now is the time to turn our full focus to the new year. So many items for us to do and sometimes checking up on our insurance benefits can get lost in the shuffle. Depending on the plan, insurance benefits can change at different points during the year and commonly either roll-over or re-start on January 1st.
If you are relying on your insurance coverage to cover the cost of therapy for your child, it is very important to know your coverage and any limitations there might be. Here are three items that you should double-check with your insurance company to see if they affect your ability to receive treatment.
- Make sure your coverage continues to include the therapy you or your child(ren) are receiving. Your insurance provider may have requirements for physician referrals, or there may be changes in diagnoses that are covered.
- Know your financial responsibility. This could include; co-payments, deductibles and other out of pocket expenses. It’s a great time to determine what your deductible is, how much your co-pay is and what happens if a secondary insurance is involved.
- Have your provider specify for you how many visits your insurance will cover. This information is very helpful in working with your therapist to plan the frequency of visits and the length of treatment.
Connect the Dots is happy to help you with your insurance questions. We also provide courtesy insurance benefit checks. In the end, each person is responsible for knowing the parameters of their insurance coverage and how it can best be used to benefit children. Happy New Year!
Click here for a glossary of commonly used medical insurance terminology.