Meeting your health insurance deductible is a significant financial milestone that can make accessing necessary medical supplies much more affordable. Once your deductible is met, your insurance provider typically covers a larger portion of your medical costs, sometimes even up to 100%. Here’s how to make the most of this opportunity and secure the medical supplies you need, with some insights on how we can assist you.

Review Your Insurance Plan

The first step is to review your insurance plan thoroughly. Understanding what your policy covers after the deductible is met is crucial. Some insurance plans cover specific types of medical supplies or have preferred suppliers, so be sure to:

• Check Coverage Details: Look at the fine print to see which supplies are covered and at what percentage.
• Know Your Network: Ensure you are purchasing from in-network providers, as this can affect your coverage.

Consult with Your Healthcare Provider

Your doctor or healthcare provider can be an invaluable resource when it comes to obtaining medical supplies. They can:

• Provide Necessary Prescriptions: Many insurance plans require a prescription for certain medical supplies, like catheters or specialized supplements.
• Recommend Appropriate Products: Based on your medical needs, your healthcare provider can suggest the best products, ensuring you get what’s necessary and covered by insurance.

Utilize Durable Medical Equipment (DME) Suppliers

Many insurance plans have contracts with Durable Medical Equipment (DME) suppliers who provide medical supplies at reduced costs. At Complete Care Medical we are in network with most major payors. Here’s how to make the most of this option:

• Contact DME Suppliers: Once your deductible is met, reach out to your DME supplier to see what products are covered under your plan. The big thing that will happen is needed medical supplies will be fully covered and not be applied towards the deductible, so your out of pocket cost is significantly reduced, if not entirely removed. 

Leverage Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs)

If you have a Health Savings Account (HSA) or a Flexible Spending Account (FSA), these can be used to cover out-of-pocket costs for medical supplies after your deductible is met. These accounts offer:

• Tax-Free Purchases: Contributions to HSAs and FSAs are tax-free, and so are the purchases you make from them.
• Easy Access to Funds: Use your HSA or FSA debit card to pay for supplies directly from your account.

Look into Manufacturer Assistance Programs

For certain high-cost medical supplies, some manufacturers offer assistance programs that help cover costs or provide discounts. These programs can be especially helpful for:

• Expensive or Specialized Supplies: If your insurance doesn’t fully cover a specific item, manufacturer programs can help reduce the financial burden.
• Recurring Needs: If you require supplies on a regular basis, these programs can offer ongoing savings.

Take Advantage of Bulk Purchasing

Once your deductible is met, buying medical supplies in bulk can be cost-effective. Consider:

• Bulk Discounts: Many suppliers offer discounts when you purchase larger quantities of items like supplements, catheters, or other disposable supplies.
• Reduced Shipping Costs: Bulk orders often come with reduced or free shipping, adding to your savings.

With the extra savings from a deductible being met, you can use those savings to add non covered supplies and at Complete Care Medical we can provide discounts when adding it onto your insurance order. 

Explore Non-Profit and Community Resources

Non-profit organizations and community programs can sometimes offer assistance or provide medical supplies at little to no cost, especially if you’re underinsured. These resources can be:

• Local Health Departments: Often provide supplies like breast pumps or nutritional supplements.
• Charitable Organizations: Some organizations specialize in providing medical supplies to those in need, regardless of insurance status.

How Complete Care Can Help

At Complete Care, we understand the importance of timely access to quality medical supplies, especially when your deductible is met. Here’s how we can assist you:

• Comprehensive Product Range: We offer a wide variety of products, including catheter supplies, nutritional supplements, Diabetic supplies, Wound Care supplies, Ostomy supplies, breast pumps, and more, all designed to meet your specific health needs.
• Insurance Navigation: Our team is experienced in working with various insurance providers to ensure you get the supplies you need, on time, with minimal out-of-pocket costs.
• Personalized Service: We provide personalized recommendations based on your medical requirements, ensuring you receive the right products. Our experts are here to help and we want to ensure you find the perfect product for you.
• Convenient Ordering: You can easily order through our website or by contacting our customer service team at 281-619-2050, and we’ll take care of the rest, including insurance billing and home delivery. Contact us today with any questions or needs! 

When your deductible is met, it’s the perfect time to secure the medical supplies you need. By understanding your insurance coverage, working with healthcare providers, and exploring various purchasing options, you can make the most of your benefits. Complete Care is here to support you in this process, offering high-quality products and dedicated service to meet your health needs efficiently and affordably.