Why Deductibles Reset at the End of the Year

Most insurance plans renew their benefits on January 1st. This means:

• Your deductible resets to $0.

• Your out-of-pocket maximum resets.

• You may be responsible for higher costs after the reset.

• Any deductible you met in the current year does not roll over.

  
  

If your deductible is already met—or nearly met—you may benefit from completing medically necessary equipment orders before the reset occurs.

The Benefits of Using Your Deductible Before It Resets

1. Lower Out-of-Pocket Costs

Once your deductible is met, insurance may cover a higher percentage of the cost of a lymphedema pump. Depending on the plan, patients may owe little or nothing for approved equipment.

2. Faster Insurance Decisions

Many patients delay moving forward until the end of the year. Insurance companies are accustomed to processing high volumes during this time. Working with an experienced provider like PWS Medical Pumps ensures that documentation moves quickly and accurately.

3. Maximizing Benefits You’ve Already Paid Into

Meeting a deductible often requires necessary medical care throughout the year. Taking advantage of the benefits you've already met ensures you receive the full value of what you’ve spent.

4. Avoiding New Costs in January

If you wait until after January 1st, you may face a new deductible and higher out-of-pocket requirements. Moving forward before the reset can be more cost-effective for many patients.

When to Consider a Lymphedema Pump Before Year-End

You may benefit from checking your benefits now if:

• You have ongoing swelling despite conservative care.

• Your healthcare provider has recommended a lymphedema pump.

• Swelling is related to cancer treatment or surgery.

• You are close to or have met your deductible.

• Your clinician has discussed compression therapy as an option.

  
  

Only a licensed medical provider can determine whether a compression pump is appropriate for you. PWS Medical Pumps becomes involved after your provider recommends the device.

How PWS Medical Pumps Helps During End-of-Year Benefit Use

PWS Medical Pumps specializes in assisting patients with insurance-covered lymphedema pumps once a prescription has been provided. The end of the year is a busy time, and our team works efficiently to help patients make the most of their benefits.

1. Insurance Benefit Guidance

Instead of calling insurance companies on their own, patients can easily begin the process by completing the Patient Interest Form on our website. Once submitted, our team can review your information and start coordinating the next steps.

2. Documentation Assistance

Insurance approval relies heavily on proper medical documentation. We work closely with your healthcare provider to gather all necessary notes, history, and treatment information.

3. Provider Coordination

We communicate directly with your medical team to ensure all insurance criteria are met. This helps prevent delays and improves approval chances.

4. Fast Delivery and Support

Once approved, we arrange timely delivery of your pump and provide ongoing support in its use.

Final Reminder: This Is Not Medical Advice

Any swelling, discomfort, or symptoms should be discussed with a licensed medical provider. PWS Medical Pumps assists patients after a clinician determines that a lymphedema pump is appropriate for their care plan.

Make the Most of Your Year-End Benefits

If your deductible is already met, this may be an ideal time to check whether a lymphedema pump is covered under your plan. To get started, complete the Patient Interest Form located on the PWS Medical Pumps website. Our team will review your submission and reach out with the next steps.

Fill out the Patient Interest Form today to begin the process and learn how PWS Medical Pumps can support you in making the most of your end-of-year benefits.

Understanding Lymphedema and Compression Therapy

Lymphedema is a condition that causes swelling, typically in the arms or legs. It occurs when lymph fluid does not adequately drain, leading to fluid buildup. Compression therapy is a common treatment for lymphedema. It involves using specialized garments or pumps to apply pressure to the affected area. This helps reduce swelling and improve lymphatic flow.

The Role of Lymphedema Pumps

Lymphedema pumps are devices designed to assist in the management of swelling. They work by applying controlled pressure to the affected limb. This pressure helps to move lymph fluid back into circulation. Many patients find that using a lymphedema pump can significantly improve their quality of life.

Choosing the Right Pump

Selecting the right lymphedema pump is crucial. It is essential to consult with your healthcare provider to determine the best option for your specific needs. Factors such as the severity of your condition, your lifestyle, and your insurance coverage should all be considered.

Conclusion

The end of the year is a pivotal time for patients managing lymphedema. By understanding your insurance benefits and the options available, you can make informed decisions about your care. PWS Medical Pumps is here to help you navigate this process. Together, we can ensure you receive the support and equipment you need to manage your condition effectively.