Don't Lose Out: Use Your Benefits Before 2026

As the end of the year approaches, it’s easy to overlook important health and financial benefits amid holiday celebrations. If you’re feeling overwhelmed or unsure about where to start, don’t worry! You’re not alone, and taking a few thoughtful steps now can help you maximize your benefits and save money.

Check Your Deductible Status

Have you met your health insurance deductible this year? If so, it’s the perfect time to schedule any remaining check-ups, procedures, or follow-ups before your deductible resets.

Use Your Flexible Spending Account Funds

Remember, most FSAs operate on a “use it or lose it” basis. Spend down your balance on eligible expenses by December 31st, unless your plan offers a rollover or grace period. Don’t let your hard-earned money go to waste!

Refill Prescriptions

If you’ve met your deductible or out-of-pocket max, consider refilling your prescriptions early. Take advantage of your coverage while it’s still active.

Book Dental or Vision Appointments

Have benefits left for dental or vision care? Book those appointments now. If your provider’s schedule is full, ask to be put on a cancellation list.

Max Out Health Savings Account Contributions

You still have time to make contributions to your HSA until the end of the year. Remember the triple tax advantage as a key incentive to contribute more.

Contact Your Plan Administrator or Benefits Advisor

If you’re uncertain about your coverage or the benefits remaining, reach out to a professional. Help is available to ensure you don’t miss out on any opportunities.

By taking these simple steps now, you can enjoy significant savings and peace of mind. Remember, acting before December 31st is crucial. Take charge of your benefits today, and don’t hesitate to reach out for help if needed.