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Think Durable Medical Equipment (DME)

Want to hear something scary? Open Enrollment is here and runs until December 15th! This is the time you can begin reviewing new insurance plans or potential changes to your existing plan. It can be frustrating. It can be overwhelming! With so much information to comb through, you may wonder—will I truly be prepared for 2018? One thing to check out, is whether or not your plan includes a Durable Medical Equipment (DME) rider or a prosthetic and appliance/orthotic rider. So…what are they? Is it something you really need? Or is it an option that you could forgo and save a few bucks on your monthly premium? Sometimes, saving money upfront, may end up costing you down the road. You may find yourself in 2018 nursing a sprained ankle, welcoming a new addition to your family, or recovering from a medical procedure. In any of those situations, your physician may tell you that you need DME. DME can include crutches, breastfeeding equipment, or even a TMJ appliance. Basically, they are medically necessary tools that you may need in order to improve the quality of your life. We all wish we could predict the future, but in reality, we need to be smart about it. A small, additional investment, monthly could give you and your family peace of mind, should you require some form of Durable Medical Equipment (DME). Check with your Human Resource representative or insurance agent and consider this option before making your final decision this year. The doctor will free you now. Doctor Francis O’Day