It's that time of year again! Time to renew or change your health insurance / benefits. (You thought I was going to say that it was time for the holidays!) I know this is a boring topic but it is important so let's spend a few minutes on it.
The most important thing for you to do when you sign up for your health insurance policy is to read and understand it. If your company has a presentation about benefits then go to it. If not then ask your human resources department / manager about it. This is important so that you don't get any unexpected bills or surprises when you need medical care.
There are many many variations on health insurance today and we can't answer your question if you ask what your insurance covers. We try to practice cost effective medicine for everyone regardless of their health insurance.
With the new Affordable Care Act (Obamacare) all well care is covered without a copay or deductible. (There are still a few insurance companies that this doesn't apply to but they are becoming less common). If an illness or problem is found at a well check then the insurance company will then charge a copay.
So... please read your benefits before you need to use them!
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