Plan to Use Your Health Benefits Before They Expire

The end of the year is lightning-fast approaching, and with the holiday hustle and bustle, it’s easy to overlook critical health and financial benefits. If you’re feeling stressed and unsure about where to begin, you're not alone. Taking action now can help you avoid the regret of forfeiting valuable coverage and savings.

Refill Prescriptions

If you've met your deductible or out-of-pocket maximum, now is the perfect time to refill any recurring medications. This proactive step ensures you’re prepared and saves you money in the long run.

Maxed Out on Health Savings Account Contributions?

Remember, your Health Savings Account (HSA) contributions can be made until the year's end. Besides, with the triple tax advantage, it's an enticing reason to contribute more before the deadline.

Checked Your Deductible Status?

If you've met your health insurance deductible, take advantage by scheduling those check-ups, procedures, or follow-up appointments you've been putting off, before your deductible resets.

Book Dental or Vision Appointments

Don’t let any remaining benefits slip away; try scheduling dental or vision appointments now. If fully booked, inquire about cancellation lists for last-minute openings. It’s valuable time and money on the table!

Use Your FSA Funds

Remember, most Flexible Spending Accounts (FSAs) operate on a "use it or lose it" basis. Spend down those balances on eligible expenses by December 31st. Be sure to check if your plan allows for a rollover or grace period.

Talk to a Plan Administrator

Feeling unsure about your coverage or benefits? Don’t hesitate to contact your plan administrator or benefits advisor for guidance and clarity. They're there to help you navigate these urgent decisions.

A few small steps before December 31st can lead to substantial savings and peace of mind. As the clock ticks closer to the end of the year, take control of your benefits today. Check your status or reach out to a professional if you need assistance. Your future self will thank you!