The key to making the most affordable healthcare decisions for your family is a strong understanding of your insurance coverage before seeking medical care. After all, the last thing you need when you’re sick or injured is a vocabulary lesson or a surprise bill!
Check out these common health insurance terms now to avoid confusion later:
- Co-pay: The fee your insurance carrier requires you to pay per visit, if applicable. Urgent care co-payment amounts are typically between $25 and $75
- Co-insurance: –The percentage of the visit fee that your insurance company has stated you are responsible for, minus any co-pay you have already paid
- Deductible: – If applicable, the amount you are responsible for before your insurance begins to pay on your behalf
- Outstanding Balance: – The remaining balance you owe to a healthcare provider
- Dependent Coverage: – The insurance coverage available to your dependents (for example, children) under your policy
- Flexible Spending Account – A program offered by some insurance plans that allows you set aside a portion of your pre-tax income to use for medical expenses
- In Network – A term used to describe a healthcare professional that is part of an insurance plan’s group of contracted medical providers. If a provider is “in network” it means that they accept your insurance
- Premium – The payments you make to your insurance company in exchange for health coverage
- Explanation of Benefits – The document you receive from your insurance company explaining the recent healthcare costs they have paid on your behalf
- Benefit Period – The time period that your insurance is active within. For most plans, the benefit period renews every year
If you’d like to better understand your insurance plan’s policies, your insurance company’s customer service department can prove a valuable resource. With this said, our team of Patient Care Coordinators is happy to explain your plan’s urgent care benefits after verifying your coverage at the time of your visit.
Lower Back Pain – When Should You See a Doctor?
While lower back pain is an extremely common condition & can often be treated at home, sometimes stretching, rest and over the counter pain relievers fail to provide relief. Check out our Know When to Go – Back pain check list to learn when to consider seeing a medical provider for your condition
You are in pain constantly
If you are experiencing low back pain on a regular basis, it may be time to see if there is a specific underlying cause. Your provider may order an x-ray to check your spine for the source of your pain
You recently injured it
Did you recently fall, get into a car accident or overdo it at the gym? If you recently experienced trauma to your back and have been in pain since, it might be time to see if your injury needs professional treatment .
The pain is getting worse
Low back pain that becomes more intense over time may signal a worsening or changing condition. If you are not receiving treatment for back pain, consider seeing a Doctor to diagnose its cause
You are feeling numbness or tingling
If you are experiencing a numb or tingling feeling in your legs or pelvic area, you may have pinched or damaged nerves. Visiting a healthcare provider to diagnose the cause of these strange sensations can help get you some relief.
You also have a fever
Low back pain can also be a symptom of infection in the kidneys or urinary tract. If you have low back pain accompanied by a fever, see a healthcare professional to rule out viral and bacterial infections.
Fed up with low back pain? Stop into ModernMD 7 days a week for a visit with our providers. All ModernMD locations have digital x-ray on site to help diagnose and treat the cause of your discomfort.