I always like to keep my patients, friends and family up to date with the insurance world so they can SAVE MONEY. Here is a little food for thought:

1. Most people’s 2011 insurance benefits end on 12/31/2011, they DO NOT roll over to 2012.
2. New benefits that start in 2012 most likely will have higher co-pays and deductibles.
3. Most people have met their required deductibles and out-of-pocket expense limits by December and therefore have no out-of-pocket cost between now and the end of the year.
4. Many health issues do take time to get resolved. Therefore you should be very proactive to get your health issues addressed ASAP in December.
5. Many physicians work longer hours at the beginning of December to make sure they can accommodate New Patients. I make it a rule that if a New Patient calls today they will be seen the same day if they wish.
6. Making excuses why you have to wait til after the holidays WILL in most cases cost you a lot more money!! I see it every year and sadly there is nothing I can do to help.

It is your choice but if money is a concern for you like it is for most I hope you will use this information to your benefit.
HAVE A GREAT HOLIDAY SEASON!!