End-of-year benefits. Use ‘em, or lose ‘em.

Sure, the holidays are crazy busy. But amidst all the baking, shopping, gift-giving and festivities, here’s an idea for you. Make a list of your health benefits, then check it twice. And make sure you’ve used up all the healthcare and dental plan benefits to which you’re entitled.

Want to make sure you’re taking full advantage of your benefits? Here are some priceless end-of-year tips.

Make the most of your deductibles.

Have you met your annual deductible? Or are you close to it? Well, now would be a good time to schedule any medical treatment you’ve been putting off, because your deductible will reset on January 1.

Use up your annual dental maximums.

Once you reach your annual maximum on your dental plan, you’ll have to pay for any further dental treatments out of pocket. So if you need fillings, root canals or crowns and you have available funds in your plan, get them taken care of before the plan resets for the New Year.

Use all your FSA money.

On average, people forfeit about $120 each year in their flexible spending accounts. Don’t be one of them. Now’s the time to check the balance in your FSA, and then spend all your money before year’s end.


FSA spending ideas

  • Eye exams
  • Glasses
  • Contacts
  • Contact lens disinfectant solution and saline
  • Annual physical (the exam may be covered, but bloodwork and additional tests may not be)
  • Mammogram
  • Co-payments for doctor visits
  • Dental work (non-cosmetic)
  • Orthodontic work
  • Prescription refills

Be aware of plan changes.

Next year’s benefits may not be the same as the ones you have now. Be sure to review your benefits packet and see if any of your benefits are changing in 2019. It pays to be proactive and use all the healthcare and dental benefits currently available to you.