Maximize Your Benefits Before 2026: A Year-End Plan

The end of the year is fast approaching, and it's easy to get caught up in the holiday hustle. During this busy time, it’s not uncommon to overlook vital health and financial benefits that could lead to valuable savings. If you're feeling overwhelmed or unsure of what steps to take, don’t worry! We're here to guide you through essential actions to ensure you don't miss out on any opportunities.

Check Your Deductible Status

Have you met your health insurance deductible this year? If so, now's the perfect time to schedule those important check-ups, procedures, or follow-up appointments before your deductible resets.

Use Your Flexible Spending Account Funds

Did you know that most FSAs operate on a “use it or lose it” basis? Make sure to spend down your balance on eligible expenses by December 31st unless your plan offers a rollover or grace period.

Refill Prescriptions

If your deductible or out-of-pocket max is already met, consider refilling recurring medications early. This ensures you're fully covered and helps avoid future costs.

Book Dental or Vision Appointments

Don’t let those dental or vision benefits go unused. Book appointments now, and if availability is an issue, ask your providers about cancellation lists.

Max Out Health Savings Account Contributions

There’s still time to contribute to your HSA through the end of the year. Take advantage of the triple tax benefits and consider maximizing your contributions.

Contact Your Plan Administrator or Benefits Advisor

If you're uncertain about your coverage or remaining benefits, don't hesitate to reach out to a professional for guidance. They can help clarify your plan details.

Remember, taking a few small steps now can lead to significant savings and peace of mind. Act before December 31st to take control of your benefits and ensure you’re making the most of your available options. Check your current status or reach out to a professional today if you need help.