Make the Most of your Health Insurance

Make the Most of your Health Insurance

Schedule appointments, tests and surgeries to maximize your health plan benefits before year end.

As the holidays approach, it’s easy to forget to take advantage of your insurance benefits. Now is a good time to review your outstanding health care needs and take full advantage of paid-up deductibles or available funds in Flexible Spending Accounts while you still can.

Most health insurance plans have a deductible requirement—a predetermined amount of healthcare expense that must be covered before the plan begins paying the majority of (if not all) remaining expenses. It is important to know how close you are to meeting your deductible—or if you’ve already met it because once you reach that threshold, you have a limited window of opportunity to obtain health care services and have the bulk of that expense covered by your plan. 

The close of 2022 also affects individuals who have Flexible Spending Accounts (FSAs)—which are pre-tax dollars set aside primarily for health-related expenses. The Internal Revenue Service requires those funds to be spent—or forfeited—by December 31.

If you have been putting off scheduling care, such as an annual check-up, allergy testing, or elective surgery, it would be wise to check your deductible status and your FSA balance to see if there’s money to be saved. 

Every health plan is different. It is important to know how your plan works so you can get the most from your benefits.

To find a physician and/or schedule care, visit