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You are here: Home » Physical Therapy » How to Decode your Health Care

How to Decode your Health Care

April 7, 2016 By Lilly Bojic

Decoding Your Health Care

By: Miranda Taylor

Health care coverage and benefits vary, are health-insuranceoften a source of confusion, and can be quite a hassle.  Luckily, having a better understanding of commonly used terminology will not only reduce frustration but will also ensure you’re maximizing the experience of your care.

Terms you’re likely to hear are deductible, co-payment, co-insurance, and out-of-pocket.  But what does it all mean?

Deductible: A specified amount of money the insured must pay before an insurance

            company will pay any portion of the claim

    Co-payment: A fixed amount of money paid by the insured, at the time of service, in

            addition to the portion the insurance company is responsible for

    Co-insurance: Percentage of the treatment cost the insured is responsible for

    Out-Of-Pocket: The most you will have to pay for covered medical expenses in plan

            year.  Once met, the insurance company will pay 100% of the allowed

            amount

health-care-benefits

At Lilly Physical Therapy, we will verify your benefits and offer to call you to discuss them prior to your appointment so you will know exactly what to expect when you come in. After your Initial Evaluation, our Physical Therapist will determine how many sessions your condition requires and we’ll give you your Total Cost of Care so you will never end up with an unexpected bill.

High deductibles, financial hardship, and HMO’s we encounter every single day at Lilly Physical Therapy and we offer packages, payment plans, and other unique options to ensure your high-quality care is affordable.

By understanding your insurance benefits you can make more informed decisions regarding your health.

We’re here to help!

Health-Coverage425.224.2476

 

Picture Bibliography:

Picture 1: http://familymedicineofpooler.com/images/health-insurance.jpg

Picture 2: http://www.enrollmentbenefitsblog.com/wp-content/uploads/2013/10/health-care-benefits.jpg

Picture 3: http://www.pardridge.com/wp-content/uploads/sites/707/2015/03/Health-Coverage.jpg

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Filed Under: Physical Therapy Tagged With: afffordable, co-insurance, co-payment, cost, cost of care, deductible, evaluation, finance, finances, financial hardship, hardship, health, health care, health insurance, HMO, insurance, insurances, lillyphysicaltherapy, lillypt, money, packages, payment plans, payments, physicaltherapy, quality care, rehab, wellness

Community Doctor of the Month!

This Month, Lilly PT has Chosen:

Margaret N. Towolawi, M.D., Family Practice Specialist-Swedish Richmond Beach Primary Care

Dr. Margaret N Towolawi is a Family Practice Specialist in Shoreline, Washington. She graduated with honors from University Of Washington School Of Medicine in 2010. Having more than 8 years of diverse experiences, especially in family practice.

Education

  • University of Washington School of Medicine
    Medical School
  • University of Washington - Family Medicine
    Residency

 

Primary Contact Information:

Swedish Richmond Beach Primary Care

604 Northwest Richmond Beach Road
Shoreline, WA 98177

Phone: 206-533-2986

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