The short answer is yes and no. Yes, you can always use ZendyHealth or pay cash for health or dental services and unless you are one of the increasingly small number of people who don't have a deductible you should benefit from using ZendyHealth. If you've met your health insurance deductible or are going to then ZendyHealth may not be for you.
Most of the time when you use your health insurance, your doctor bills your health insurance and then the two of them figure out how much you have to pay. With ZendyHealth or when you pay cash for medical and dental procedures, you are skipping this process, taking control of how much you pay, and saving money.
The flipside of this is that your insurance company has no record of the dollars you've spent. Do not fear, ZendyHealth is here! You may still be able to have the money you've spent on healthcare procedures covered by your health insurance applied towards your health insurance deductible.
With your health insurance plan, you receive specific benefits and the most important one for your bank account is your deductible. Your deductible is the amount you have to pay before your insurance starts paying for anything. We are going to walk you through how your cash payments for medical services on ZendyHealth may be applied to your deductible. Below we have two checklists to help you make sure you have everything you need.
Note that applying cash payments to deductibles is possible only for procedures covered by your health insurance (ie., cosmetic and non-prescribed procedures are not generally covered and are not applicable). Additionally, you must have health insurance in the first place.