Physician advises maximizing health benefits in fall

FALLBROOK – With less than three months left in the year, now is the time to check the status of health plan deductibles and schedule necessary appointments, recommended testing, and surgeries before Dec. 31.

Most health insurance plans have a deductible requirement – a predetermined amount of healthcare expenses that must be covered before the plan begins paying the majority (if not all) of expenses related to necessary medical care.

“If you have been putting off scheduling prescribed care, such as an annual check-up, medical tests, or knee replacement surgery, it would be wise to...