Met Your Health Insurance Deductible Yet?

Clarinda Regional Health Center • October 28, 2024

Look into scheduling these commonly delayed procedures before the new year.

Can you believe it? The new year is fast approaching and your list of things to do is probably fairly long as this point in 2024. We're not just talking about holiday planning either. At Clarinda Regional Health Center we want to make sure you are paying attention to your body too. Don't keep putting those health concerns to the side.

Have you met your deductible?
If you've met your medical insurance deductible, every day between now and December 31st is your chance to receive some notably less expensive medical "self-care." Think of things like screenings, elective surgeries, scans or testing. Right now is a great time to look into those items you've been putting off the entire year. Some of these procedures you can schedule yourself too!

What is a Health Care Deductible and does everyone have one?
Your health care deductible is the amount of money you pay out of your own pocket for medical expenses before your insurance "kicks in" and your insurance provider pays for your procedures. And no, not all health care plans are the same, so not everyone has a deductible. To be sure if you have one, contact the number on the back of your medical insurance card and ask what your specific plan benefits are.

Here is an example: If you have a $1,000 health care deductible, you're responsible for paying for all your health and medical expenses until you reach that $1,000 mark. Once you have reached that limit, whatever it is - it could be more or less - you've met your deductible. At this point, your insurance provider can now begin paying for a large portion of your health care costs.

How Do I know If I've Med My Health Care Deductible?
Your health insurance company will likely have a website that will let you log in and view your deductible status. Again, you can check the back of your insurance card for a phone number to contact to ask those specific questions as well. Or, if you keep track of your medical expenses or explanation of benefits your insurance company mails to you after a visit or procedure, those sometime indicate if your deductible has been reached by showing that you don't owe anything out of pocket.

What type of visits or procedures should I schedule before the end of the year?
Most families, at this point in the year, have met their deductible and out of pocket maximums (or the highest amount you'll have to pay), so consider these types of visits before the December 31st deadline.

  • Elective Surgeries : These are the types of surgeries are the things that are put off by patients for long periods of time until they end up resulting in an emergent situation down the road. After reaching your deductible, elective surgeries become much more affordable, depending on your insurance plan.
    • Anti-Reflux Surgery
    • Ear Tube Surgery
    • Eye Surgery for Cataracts
    • Gallbladder Surgery
    • Hernia Repair
    • Ulcer Surgery
    • Lower Extremity (Foot & Ankle) Surgery
    • Mole removal
  • Elective Appointments: These types of visits also might be something you put off, but probably aren't life threatening if delayed. But these types of visits could definitely result in a healthier versions of yourself and are worth looking into.
    • Physical Therapy
    • Pelvic Floor Therapy
    • Diagnostic Imaging
    • Dry Needling
  • Screenings: Theses are generally diagnostic tools that are an important piece of your own personal healthcare puzzle. Screenings are used to detect a variety of illnesses, including different cancers. Depending on your age and existing health conditions, ask your provider if you should schedule some of these screenings.

Take care of yourself all year long!
At CRHC our team is here for you 365 days a year. We'd prefer if you take advantage of all the services at Clarinda Regional Health Center throughout year instead of delaying important medical care, but we know that sometimes making your health a priority, along with the rising costs of everything, can be difficult. That's why we want to make sure you know the advantages your medical insurance can provide. So you let us know what is ailing you! We have the services, programs, and highly skilled teams you need to handle whatever health concerns you have.

Check out our Request an Appointment tool online to get your foot in the door before the end of the new year. Talk to your provider about any healthcare concerns you have. You deserve the healthiest version of yourself today and in the new year!

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We then worked to secure the information needed to effectuate notice, including address information, for the impacted individuals. The process was completed on May 21, 2026. What Information Was Involved: The accessible information varies by individual but may include an individual’s name in combination with a Social Security number, date of birth, medical information, health insurance information, financial account number, driver’s license number, and taxpayer identification number. Clarinda provided notice of this event to the potentially affected individuals beginning on June 1, 2026. What We Are Doing: We promptly investigated the event to ensure the continued security of our environment and the data we hold to understand the nature and scope of what occurred. We provided this notice with information on steps you can protect your data. We implemented additional security measures to minimize the risk of a similar event occurring in the future. What You Can Do: You can follow the recommendations set forth below in the Steps You Can Take to Help Protect Your Personal Information section. For More Information: If you have questions that are not addressed through this notice, you may contact our dedicated assistance line at 1-833-289-3437 between the hours of 8:00 a.m. to 8:00 p.m. Eastern time, Monday through Friday, excluding holidays, or write to us directly at 220 Essie Davison Drive, Clarinda, IA 51632. Steps You Can Take to Help Protect Your Personal Information Review Your Account Statements and Notify Law Enforcement of Suspicious Activity: As a precautionary measure, we recommend that you remain vigilant by reviewing your account statements and credit reports closely. If you detect any suspicious activity on an account, you should promptly notify the financial institution or company with which the account is maintained. You also should promptly report any fraudulent activity or any suspected incidence of identity theft to proper law enforcement authorities, your state attorney general, and/or the Federal Trade Commission (the “FTC”). Copy of Credit Report: You may obtain a free copy of your credit report from each of the three major credit reporting agencies once every 12 months by visiting www.annualcreditreport.com/ , calling toll-free 1-877-322-8228, or by completing an Annual Credit Report Request Form and mailing it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348. You also can contact one of the following three national credit reporting agencies: Equifax Experian TransUnion P.O. Box 105851 P.O. Box 9532 P.O. Box 2000 Atlanta, GA 30348 Allen, TX 75013 Chester, PA 19016 1-800-525-6285 1-888-397-3742 1-833-799-5355 www.equifax.com www.experian.com www.transunion.com/get-credit-report Fraud Alert: You may want to consider placing a fraud alert on your credit report. 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You must separately place a security freeze on your credit file with each credit reporting agency. In order to place a security freeze, you may be required to provide the consumer reporting agency with information that identifies you including your full name, Social Security number, date of birth, current and previous addresses, a copy of your state-issued identification card, and a recent utility bill, bank statement or insurance statement. For TransUnion: www.transunion.com/credit-freeze. Additional Free Resources: You can obtain information from the consumer reporting agencies, the FTC, or from your respective state Attorney General about fraud alerts, security freezes, and steps you can take toward preventing identity theft. You may report suspected identity theft to local law enforcement, including to the FTC or to the Attorney General in your state. Federal Trade Commission 600 Pennsylvania Ave, NW Washington, DC 20580 consumer.ftc.gov 877-438-4338 California Attorney General 1300 I Street Sacramento, CA 95814 www.oag.ca.gov/privacy 800-952-5225 Iowa Attorney General 1305 E. Walnut Street Des Moines, Iowa 50319 www.iowaattorneygeneral.gov 888-777-4590 Maryland Attorney General 200 St. Paul Place Baltimore, MD 21202 www.marylandattorneygeneral.gov/Pages/CPD 888-743-0023 New York Attorney General The Capitol Albany, NY 12224 800-771-7755 ag.ny.gov NY Bureau of Internet and Technology 28 Liberty Street New York, NY 10005 www.dos.ny.gov/consumerprotection/ 212.416.8433 Oregon Attorney General 1162 Court St., NE Salem, OR 97301 www.doj.state.or.us/consumer-protection 877-877-9392 Rhode Island Attorney General 150 South Main Street Providence, RI 02903 www.riag.ri.gov 401-274-4400 Washington D.C. Attorney General 400 S 6th Street, NW Washington, DC 20001 oag.dc.gov/consumer-protection 202-442-9828 Kentucky Attorney General 700 Capitol Avenue, Suite 118 Frankfort, Kentucky 40601 www.ag.ky.gov 502-696-5300 NC Attorney General 9001 Mail Service Center Raleigh, NC 27699 ncdoj.gov/protectingconsumers/ 877-566-7226 You also have certain rights under the Fair Credit Reporting Act (FCRA): These rights include to know what is in your file; to dispute incomplete or inaccurate information; to have consumer reporting agencies correct or delete inaccurate, incomplete, or unverifiable information; as well as other rights. For more information about the FCRA, and your rights pursuant to the FCRA, please visit www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0096-fair-credit-reporting-act.pdf .
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