Atlanta Allergy & Asthma, which has18 locations in the Atlanta area, encourages those who have met their health insurance deductibles to take advantage by making an appointment for something such as allergy testing.
"Have you met your deductible?" Atlanta Allergy asked on Twitter Oct. 24. "The end of the year is a good time to get the most out of health insurance coverage, including allergy testing and treatments. Start on the path to better health by scheduling an appointment today!"
Eighty-five percent of American workers who had health insurance coverage through their employer in 2021 had a general annual deductible for single coverage that they needed to meet before the plan paid for most health services, according to the 23rd Employer Health Benefits Survey (EHBS) conducted by the Kaiser Family Foundation (KFF). For workers employed by small companies, the average single coverage deductible was $2,379. Workers employed by large firms had an average deductible of $1,397.
A health insurance deductible is the amount of money that must be paid out-of-pocket by an individual before copay and coinsurance benefits kick in to cover medical expenses, according to Value Penguin. For example, someone with a $2,000 deductible must pay $2,000 on their own to cover health care, after which time their health insurance company will cover most medical expenses for the remainder of the year.
Someone with a chronic illness or recurring medical expenses, such as prescription medication, might want to select a low-deductible plan, because they will meet it earlier in the year. Someone who is relatively healthy and does not have recurring medical expenses might want to select a higher-deductible plan, because that plan will likely have lower premiums. When selecting a plan, it is important to choose a deductible that you have the means to pay out-of-pocket in case an accident occurs.
"Deductible relief day" refers to the date during the year on which Americans with job-based health insurance have spent enough to meet the average worker's deductible, according to Good Rx. Once a deductible has been met, many people try to undergo elective procedures or tend to other nonemergency health care items in order to maximize their health insurance benefits. One of these health care items could be allergy testing and treatment.
