Deductibles are Going Up – Save Big By Using Your Health Insurance Now


The summer is over and that means we are three quarters of the way through the year.  With careful planning, you can save big bucks on healthcare costs.

With the way prices are rising, you might wonder “How’s that?”

It’s how insurance works. Once your medical costs have reached a certain amount (your deductible), your insurance pays most or all of your healthcare costs.

If you have met your deductible, you want to take advantage of that before your deductible resets.  That means making your doctor’s appointments now before your policy renews.

Many deductibles are going up – again!

With many deductibles going up, it gets harder and harder to reach that limit. It also means more and more money comes out of your pocket.

Some insurance companies are increasing their deductibles to $5000 for next year! That means that before your insurance company spends one penny, you have to spend $5000 (that’s in addition to what you pay each month for your policy).

Don’t assume your insurance renews on January 1

You should also find out when your new insurance kicks in. Since not all insurances reset on January 1, you may have a new deductible as early as November 1.

Why Use Your Health Benefits Now:

  • Your deductible may be higher by thousands of dollars
  • Your benefits may not be as good next year as they are now
  • Your copays could be going up next year

If you have met your deductible for this year, medical care is usually covered by a small copay or percentage.  If you have met your out-of-pocket maximum, then 100% of your medical costs are covered.

How do I know if I have a deductible?

Some insurance companies will print the deductible or a copay on the front of your card.  You should call the insurance company to find out what your deductible is and how much has been met.

If you are turning 65 soon, you might also want to use your insurance now before Medicare kicks in. Medicare has a $147 deductible per calendar year and a 20% copay. That means if you start medicare November 1 2015, you will have a deductible for those 2 months in 2015 and then a new deductible for January 2016.

Do you wear orthotics or diabetic shoes?

Replacing worn orthotics, worn braces, or worn diabetic shoes are essential in preventing foot problems – and could cost you much less if you replace them now instead of next year. If you are allowed 1 per year you might want to get them before the end of the year.

How else can I save?

Save even more by treating problems sooner, which can usually be treated with less visits.

Problems like warts, ingrown toenails, heel pain, usually do not go away on their own.  This can lead to bigger problems down the road. Why take the chance that a possible condition right now could turn into something much more serious?  Keep in mind that simple maintenance can help avoid future costly complications.

Don’t wait.  Call our office now to set up an appointment.  We want your out-of-pocket expenses kept to a minimum, and your new year to start out healthy and happy.  We hope this reminder was helpful!

With best wishes for continued good health,

by David J Schlam, D.P.M., F.A.C.F.A.S.


Your Top-Rated & New Favorite Podiatrist In Wappingers Falls, NY

Always arrive to a pleasant cheerful staff! They make you feel welcome and get you situated quickly! The Doctor is friendly and makes your feet feel great! I travel a bit to get to this office, but it is so worth it! The staff is always helpful and customizes my appointments to my needs!

- Bob D.

bob 5 star review

GREAT EXPERIENCE!!!! Very nice, friendly, and thorough doctor. Wonderful staff too! Very clean office. They fit me into there schedule the same day. They recognized my issue right away and got me out of discomfort painlessly.

- Jordan C.

jordan 5 star review

I came here today for the first time what a wonderful group of people, very professional and friendly and the Dr. I saw, Dr. Geshev, he is absolutely the first podiatrist I’ve ever seen that made me feel very comfortable, and he knows what he’s doing. I would recommend this podiatrist office to everybody.

- Valerie G.

john 5 star review

Great experience. They got my son in as soon as possible as made sure his foot was ok. Will definitely use them again!

- Irene T.

irene 5 star review

Wonderful staff (warm and inviting). Clean office. Dr. G is knowledgeable and listened to me. He knew 3 ways to help my situation and I know that I will feel better under his care and instructions. I recommend Hollowbrook Foot Specialists!

- S.G.

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*The reviews listed are from actual patients of Hollowbrook Foot Specialists. Individual results may vary. Reviews are not claimed to represent results for everyone.

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Our Wappingers Falls
Podiatry Office
89 E. Main Street
Wappingers Falls, NY 12590

Phone: 845-298-9074

Office Hours:
Monday: 11am - 7pm
Tuesday: 9am - 5pm
Wednesday: 9am - 5pm
Thursday: 9am - 5pm
Friday: 9am - 3pm
Saturday: By Appointment Only

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Our Wappingers Falls
Podiatry Office
89 E. Main Street
Wappingers Falls, NY 12590

Phone: 845-298-9074

Office Hours:
Monday: 11am - 7pm
Tuesday: 9am - 5pm
Wednesday: 9am - 5pm
Thursday: 9am - 5pm
Friday: 9am - 3pm
Saturday: By appointment only

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