As the end of the year approaches, so does the deadline to use many of your healthcare benefits before they reset in January. If you've met your deductible—or you're getting close—now is a great time to schedule a checkup, refill prescriptions, or book follow-up visits. Don't let those hard-earned benefits go unused!
At Ascend Medical, we accept most major insurance plans and offer membership-based primary care that's flexible and convenient, with 24/7 access to telehealth and in-home care.
Understanding Your Health Insurance Benefits
Health insurance is designed to help cover the cost of your medical care—whether it's a routine checkup or something more serious. Plans vary, but most cover services like doctor visits, lab work, mental health care, prescriptions, and even preventive screenings. Some plans are provided through employers, others through the ACA Marketplace or Medicaid.
Even if you're healthy, it's smart to use the benefits you're already paying for through premiums, deductibles, and copays. Make sure you understand what your plan includes—and how to make the most of it.
Maximize Your Plan Before It Resets
Many plans reset on January 1, which means your deductible and out-of-pocket maximums will start over. If you've already met your deductible or are close, now is the perfect time to:
Get a physical or wellness check
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Schedule follow-ups or specialty visits
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Refill prescriptions
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Complete lab work or imaging
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Book mental health appointments
What Does "Meeting Your Deductible" Mean?
Your deductible is the amount you pay out of pocket before your insurance begins to cover the majority of your healthcare costs. For example, if your plan has a $1,000 deductible and you've already paid $900 toward it this year, now may be the best time to schedule needed care. Once your deductible is met, your insurance typically covers a larger portion of your costs—sometimes up to 100%. Services that count toward your deductible often include:
- Surgeries or procedures
- Lab tests and imaging (like MRIs)
- Hospital visits
- Therapy or counseling
- Durable medical equipment
Some preventive services, like annual physicals or vaccinations, are often covered before the deductible is met—so be sure to check your plan details.
Not Close to Meeting Your Deductible? It's Still Worth Using Your Benefits
Even if you haven't met your deductible this year, it's worth using the benefits you do have access to—especially if you're due for a checkup or have ongoing health concerns. It's also a good time to review your plan and consider whether your current coverage still fits your needs heading into the new year.
Let Ascend Medical Help You Get the Most from Your Benefits
Whether you need a wellness exam, prescription refills, mental health support, or chronic care management, our team is here to help you finish the year strong. At Ascend, we offer:
- Virtual visits and house calls
- Insurance-friendly care
- Appointments that fit your schedule
- A whole-person approach to health
Don't wait—book your year-end visit today and make the most of your healthcare benefits before they reset.
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