A delay in getting your prosthesis because of costs your insurance doesn’t cover is not only disappointing—it can be life disrupting. But often times, patients meet their insurance deductible around the end of the year, making it the perfect time to take advantage of how meeting your deductible can help you afford prosthetics in Kansas City.
At Horizon Orthotic & Prosthetic Experience, we understand that affordability is very important to our patients, and that’s why we work closely with healthcare providers to help you get the best rates possible for our award-winning prosthetic services.
What is a deductible?
Simply speaking, a deductible is the amount you have to pay before your insurance begins to begin covering expenses. For instance, if you have a $500 deductible, you’ll have to pay $500 toward your medical visits, prescriptions, and other fees before your insurance will cover you. Usually, people who pay a higher monthly premium will have a lower deductible, and vice versa.
As a side note, even after you meet your deductible, you’ll usually have to pay some kind of co-insurance. Think of it as a partnership between you and your insurance company. Basically, they’ll pay a certain percentage of costs — more than likely the majority — and you’re required to pay the rest.
Keep in mind that some services may have a separate deductible. Therefore, you’ll want to speak with your insurance provider before you go forward with the process of getting a prosthetic after meeting your deductible.
How to know if your insurance covers prosthetics
A common question we come across is, “Does my insurance cover my prosthesis?” Although the specific answer will vary on a case-by-case basis, we will say that most insurance providers cover some costs associated with getting a prosthesis in Kansas City.
Be sure to contact your provider, especially if you’re hoping that meeting your deductible can help you afford prosthetics in Kansas City. You’ll want to make sure they review, in detail, what kind of prosthetics they cover. It’s not rare to find that your insurance won’t cover prosthetics used solely for cosmetic purposes or more expensive, high-tech prosthetics.
If you need help determining if you have coverage for your prosthesis, the administrative staff at HOPE KC is highly trained to get this information from your provider. In addition, we can find out approximately how much of your deductible has been met to give you a better understanding of your financial responsibility for a prosthesis.
Benefits of meeting your deductible to get prosthesis in Kansas City at HOPE KC
Free consultation. All of our patients can schedule a free consultation. That way, we can meet and discuss your specific goals and understand what you need to regain functionality.
In-depth customization. Our specialists are meticulous when it comes to properly measuring and fitting your prosthesis. We’ll even do 3D Imaging when appropriate to ensure accuracy and maximum comfort.
Prosthetic education. Once your prosthesis is ready and delivered, we won’t just leave you without any assistance. We will help you learn the best ways to maintain, care, and adjust to your new device as well as how to safely and effectively utilize the device.
Follow-up appointments. We will stand by your side as you continue to grow with your prosthesis. We’re always here for follow-up appointments to ensure that your device is always working with you to provide maximum control and comfort.
Before January 1st comes around, take advantage of how meeting your deductible can help you afford prosthetics in Kansas City. If you have any questions about your yearly deductible or insurance questions in general, contact us today.