Deductible Doubts

insurance-deductible croppedWith the beginning of the year, most insurance companies make patients pay their deductible before they begin to cover any medical services. Every year this happens, and every year patients are confused about why their company is not paying any bills.

A deductible is a specified amount of money that a patient must pay before an insurance company pays a claim. The amount of the deductible is different for every policy. Years ago, they were commonly small.  Some were as low as $100.  However, things have changed and they now may be as high as $3000-$10,000.

Occasionally someone will say they don’t want chiropractic care until they meet their deductible. What they don’t understand is this deductible obligation is unavoidable. It applies to any type of medical expense. No matter what type of care, they will have to pay the same expense.

This means if you are going to get healthcare, then you can’t avoid paying your deductible somewhere.  Hospitals and large doctor offices often ask for payments in advance.  In our Dumont office, even with high deductible insurance we can still help.  By keeping our fees affordable and arranging payment plans, we can almost always work a manageable plan for you

If you are struggling with a health issue like back pain, neck pain or headaches, don’t let “deductible doubts” stop you from getting the care you need. Call us at 201-387-7463 so we can help.

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Back Care Center is located at 24 Grant Avenue, in Dumont, NJ and we see patients from our surrounding towns including Bergenfield, Closter, Cresskill, Demarest, Dumont, Emerson, Englewood, Harrington Park, Haworth, New Milford, Ridgefield Park, Teaneck and Tenafly in Northern New Jersey. Call us at 201-387-7463 to schedule an appointment today.

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