Having met my health insurance deductible after knee surgery in September 2012, I enjoyed a couple of months of lower copays on my physical therapy rehab. But, having a consumer-driven health plan, I knew this would change come 1/1. Because my payments were automatically deducted from my credit card each visit, I asked the PT staff in December to let me know how much the new plan year increase would be, so I could plan accordingly. Unfortunately, I forgot to follow up.
I paid the price (literally) when my credit card statement at the end of January revealed a nearly 600% increase in copay cost. My first thought was, “I wish I had a benefit adviser to help me take care of this!”
