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BalancedLifeChiropractic-EP196 - Insurance · Back To The Basics In Healthcare

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  Speaker 1: Time now for back to the basics and healthcare with
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  Speaker 1: Balance Life Chiropractic. We have doctor Harley with us, Hey
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  Speaker 1: doing doctor Harley.
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  Speaker 2: Hey John, I'm doing great. I can't believe we're already
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  Speaker 2: into November and holiday seasons coming up here fast.
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  Speaker 1: I had to change my clocks and now all of
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  Speaker 1: a sudden, here we are. It's like we're going to
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  Speaker 1: blink and it'll be Thanksgiving, then it'll be Christmas, then
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  Speaker 1: it'll be New Year. So now is the time if
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  Speaker 1: you've got insurance and you want to make sure that
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  Speaker 1: you get the most of it between now and the
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  Speaker 1: end of the year. That's something they should be thinking
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  Speaker 1: about right now, isn't it right.
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  Speaker 2: That's why I was like today, let's talk about that
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  Speaker 2: some of who might not even realize what their insurance covers.
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  Speaker 2: You know, say you had a big procedure or a
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  Speaker 2: baby or something big this year that you paid a
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  Speaker 2: lot into your insurance, you might actually be able to
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  Speaker 2: get chiropractic care without having to pay anything. If your
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  Speaker 2: deductible auto pocket costs are completely you know, you already
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  Speaker 2: paid all of that, then a lot of times your
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  Speaker 2: chiro care is all covered by that. So it's a
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  Speaker 2: really good opportunity to check your insurance benefits right now.
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  Speaker 2: If you've been thinking about going to a chiropractor, this
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  Speaker 2: is a really good time to get started because typically
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  Speaker 2: when you first come in it might be a couple
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  Speaker 2: of times a week the first couple of weeks, and
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  Speaker 2: if your insurance isn't picking all that up, it can
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  Speaker 2: get a little expensive right away.
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  Speaker 1: So that's where it's really.
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  Speaker 2: Nice as time here to start thinking about that. And
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  Speaker 2: plus with like the holiday craziness and rushing around, good
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  Speaker 2: to have your health problems kind of out of the
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  Speaker 2: way and settle down so you can enjoy the holidays
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  Speaker 2: a little bit better.
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  Speaker 1: And you were telling me ahead of time, there's different things,
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  Speaker 1: because there's like HSA, and you had a whole big
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  Speaker 1: long list. I just said, OK, I'll just take your
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  Speaker 1: word for it, but what are these things?
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  Speaker 2: Yeah, so a lot of people have like an FSSA
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  Speaker 2: or does HSA. So at HSA is a health savings
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  Speaker 2: account and hsas can roll over year to years, So
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  Speaker 2: that's something look into your benefits. Do you need to
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  Speaker 2: use like that health savings account up by the end
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  Speaker 2: of the year. So January one, it's going back to zero.
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  Speaker 2: If you don't use it. So again that's another good thing,
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  Speaker 2: and that.
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  Speaker 1: Just depends on your particular HSA.
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  Speaker 2: Right, there's an FSA, which that's typically kind of the
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  Speaker 2: one that you need to use by the end of
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  Speaker 2: the year.
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  Speaker 1: What does that one stand for?
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  Speaker 2: I don't remember what the F part stands for, don't
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  Speaker 2: I don't. I don't have an FSA, so that's why
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  Speaker 2: I don't necessarily pay attention to that one.
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  Speaker 1: But it's okay, well, I don't know. I didn't even
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  Speaker 1: know what I don't know how to spell it.
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  Speaker 2: So but they're basically like a health savings account that
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  Speaker 2: you pay into every pay period and then when you
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  Speaker 2: go to the doctor's office you can use that and
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  Speaker 2: that covers like your copays or if you're paying on
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  Speaker 2: a pocket you can use that money that's already been
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  Speaker 2: set aside for your health care costs.
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  Speaker 1: I wonder if that one's like a flexible savings account.
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  Speaker 1: You think that might be the f I.
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  Speaker 2: Would think so, But I know, like the fessays are
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  Speaker 2: usually the ones that you.
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  Speaker 1: Have to use by the end of the year, so
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  Speaker 1: that's it's inflexible.
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  Speaker 2: So that's what I'm not sure.
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  Speaker 1: Hey, this is John just making things up over here.
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  Speaker 1: I have no idea. And then there's people who have
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  Speaker 1: other kinds of insurance, and some of those again, if
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  Speaker 1: they've already had some claims this year, and they maybe
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  Speaker 1: had some procedure done and they've met all of their things,
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  Speaker 1: it's like free money between now and the end of
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  Speaker 1: the year for them in a sense, isn't it right.
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  Speaker 2: This you know you'll notice, like maybe for going to
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  Speaker 2: the doctor's office from your yearly checkups, like wait times
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  Speaker 2: are longer and maybe.
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  Speaker 1: They're booked out.
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  Speaker 2: That's because you know, people are using their benefits because
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  Speaker 2: they've used everything else for the year, so they're able
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  Speaker 2: to get in and get that stuff done on a
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  Speaker 2: relatively low amount.
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  Speaker 1: And this would be a really good time if somebody's
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  Speaker 1: going I've been thinking about chiropractic, but I haven't added
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  Speaker 1: that to my health plan yet. Now would be a
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  Speaker 1: great time because you could get a lot of the
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  Speaker 1: early things. That's what we were kind of talking about.
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  Speaker 1: You know, you first come here, going through and getting
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  Speaker 1: the X rays, all this stuff, all of that stuff done, well,
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  Speaker 1: it's kind of covered. I mean, it's just a no brainer.
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  Speaker 1: Why not do that?
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  Speaker 2: A lot of it is time and money of course
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  Speaker 2: is a big factor to that. You know, we're not
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  Speaker 2: typically booked weeks out. We can usually get people in
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  Speaker 2: the same week, so there's really kind of a low
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  Speaker 2: risk to getting started meeting with us, sitting around talking
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  Speaker 2: about your problems, your health goals, and we can make
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  Speaker 2: a plan of what's it going to take, you know,
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  Speaker 2: being able to use your insurance benefits that you have,
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  Speaker 2: because you don't want to have those go to waste.
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  Speaker 1: Exactly if somebody listening has gone, Okay, I know I
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  Speaker 1: do have some sort of thing I got to look
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  Speaker 1: into that. What is the best way for them to
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  Speaker 1: connect with you to see if they can kind of
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  Speaker 1: just pull us all together.
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  Speaker 2: Yeah, and if you don't know what to look for
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  Speaker 2: with your insurance, we do a benefits check during your
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  Speaker 2: first day appointment. So we're going to call your insurance
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  Speaker 2: and we're going to talk to them about these are
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  Speaker 2: the procedures, the things that we're going to be doing.
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  Speaker 2: What's it going to cost, what's their insurance going to cover,
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  Speaker 2: So we can do all that for you if you're
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  Speaker 2: not sure how to look that stuff up.
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  Speaker 1: So the good news is I don't need to know anything.
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  Speaker 2: It's good to have somewhat of an idea. But if
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  Speaker 2: you have no idea, that's okay, here come the add on.
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  Speaker 2: We will we will help you and educate you a
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  Speaker 2: little bit more about what your insurance is going to cover.
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  Speaker 1: See, anytime somebody asked me a question, I just look
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  Speaker 1: at Heidi, I'm like, what do we what do we have?
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  Speaker 1: What's going on? What's this?
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  Speaker 2: You talk to her?
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  Speaker 1: She's a smart one. What's the best way for somebody
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  Speaker 1: to connect with you at Balanced Life Chiropractic.
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  Speaker 2: They can give us a call at six zero five
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  Speaker 2: two one five one seven eighty five, or reach out
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  Speaker 2: to us on our Facebook page at Balanced Life Chiropractic.
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  Speaker 2: We'd love to chat and help you have a happier,
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  Speaker 2: healthier end of the year and holiday season.
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  Speaker 1: Absolutely again, Balanced Life Chiropractic. You can find them online
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  Speaker 1: at Balancedlife sd dot com and for catching the end
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  Speaker 1: of this, you can also hear this as a podcast
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  Speaker 1: at sux fallspodcast dot com.