For the lucky ones of us who have insurance, the end of year may be the time to get procedures , such as colonoscopy ( screening test for colon cancer ) when your deductible (money out of your pocket that you must pay before your insurance will pay) is lower.
Always call your insurance to see what is remaining of your deductible for the year if procedures are needed. Remember, deductibles start over every year with full amounts in the new year.
Be smart and ask questions......
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