USE IT OR LOSE IT 2019: INSURANCE DEDUCTIBLES, HEALTH SPENDING ACCOUNTS, CHIROPRACTIC VISITS

It's that time of the year when some health benefits begin to expire on December 31st, 2019. Learn more from our chiropractic clinic.

Which health benefits am I referring to?

There are several you may want to consider using before the end of 2019.

Here is a list of some health insurance-related benefits to consider using with us before they expire on December 31st, 2019.

Deductible premiums

If you have an insurance that carries a deductible that has been met for the year consider getting necessary treatment before December 31st. You will likely be responsible to only pay between 0 to 30% of the medical expenses.

If you've been putting off that expensive MRI or diagnostic procedure, this is the time of year to take advantage of your deductible being met.

Chiropractic visit limits-Most health insurance plans have caps on the number of Chiropractic visits allowed. If by any chance next year you may be switching health insurance plans and you have been putting off getting that bad back worked on this may be the time of year to take some action.

Health spending accounts (HSA)- Most health spending accounts require that the money is used by the end of the year. This means you have until December 31, 2019, to spend the money in the account for necessary medical expenses.

Many are unaware of some of the items eligible to use for a health savings account and health spending accounts in our office. Below is a list of items eligible to use for health savings and health spending accounts in our office.

• Copay and deductible payments
• Back braces
• Vitamin and mineral supplements
• Lumbar support seat cushions for work or in the car
• Biofreeze
• Shoulder or knee braces
• Home tens machines
• CBD Oil
• Topical pain patches (otc)

Any other supply considered medically necessary related to your condition.