Insurance 101: New Year, New Deductible

Over the first few weeks of the New Year, we want to help you become insurance savvy, and help you better understand your coverage! The biggest question we get during the month of January is "why is my invoice for more money during the first few weeks of the year?"

Our friends over at One Medical had received the same questions and posted "Making Sense of your Insurance Deductible" on their blog. We want to highlight some of the areas important to our patients to help you stay on top of your insurance!

Photo credit:  Health Care Decoded NYT

What is a deductible?

A deductible is the dollar amount you must pay out-of-pocket for covered services before your health insurance begins paying for your care. Every year, your deductible resets to zero, which often means larger charges from your primary care physician, or specialist, until the deductible is once again met.

What applies to a deductible?

It's important to educate yourself about your plan before getting care. You can check out your "summary of benefits" document that you received when you enrolled in your health insurance plan for more information on what is covered, and what is not. Once you know the dollar amount of your deductible, it will help you know how much has to be spent before the insurance company will step in to pay for services.

As a reminder, check out our insurance page to learn who we are in network with, or to request further information such as CPT and ICD-10 codes to ask for further information from your insurance provider on 2018 coverage.


Jody Vaynshtok

Jody is a California-licensed speech language pathologist with eight years of industry and clinical experience. She has worked with both adult and pediatric populations during her time at private practice, birth-to-three, and hospital facilities. She is experienced in the assessment and treatment of a variety of communication and cognitive disorders. In addition, Jody has a passion for working with adults looking to achieve clearer communication. Jody received her BS in Speech and Hearing Sciences and MS in Medical Speech-Language Pathology from the University of Washington. She was a part of the Lucile Packard Children’s Hospital at Stanford’s cleft and craniofacial clinic participating in the multidisciplinary assessment and treatment of children born with craniofacial abnormalities. She holds a staff position at UCSF and is the lead speech language pathologist for the department of Otolaryngology-Head and Neck Surgery’s Hearing Loss Clinic. When she's not busy having fun with her clients Jody enjoys spending time with her husband, Anton, friends and family. And if she's not headed out somewhere fun for dinner, you might find her at Bar Method working out!