Happy New Year! In 2014 we enter the Obamacare era. This year many of you may experience insurance policies changes, and you may not be fully aware of it.

High deductible plans and plans with high co-pays will especially be more common. Our recommendation is that you call your insurance company and confirm that your doctors are still on your plan.  Many plans and carriers have re-done their networks and have  removed many providers (Doctors).

Tip:  If your doctor is not in your plan but you still prefer to see that specific doctor I recommend you speak with them about a resonable payment plan.

The new plans will require a greater understanding of your personal responsibility due to the increase deductibles and co-pays.

FYI:  Deductibles must be paid by the patient (you) before the insurance will pay any benefits.  Therefore, if you have $3000 deductible you must pay this amount out of your pocket first then the plan will cover their portion.  Of course, this cost is on top of your monthly insurance bill.  Once your deductible is met your co-pay will kick in.  This means that after you pay the first $3000, every other visit will require your co-pay.  This example may vary based on your specific plan but it's consistent with our experience in our office.  

Therefore, it is very important that you change your health care habits for yourself and your family from a sick care drug based model (I only go the doctor when I'm sick for my medication and shots) to a proactive, drug free, Chiropractic wellness model ( I go to my Chiropractor on a regular basis like going to the gym or eating healthy so I can avoid or minimize being sick).  This will allow you to experience a higher level of health and improve quality of life while saving money.  What a great concept!

Our office offers a reasonable cash plan for individuals and family that will help you stay healthy and avoid the exorbitant cost of sick care.

Give us a call to set your wellness evaluation using our Myovision System.  201-489-3400

To a healthy year,

Dr. Carrion.