Whether you’ve hit your deductible, have FSA dollars hanging by a thread, or keep forgetting that annual checkups are free, we have you covered. Below are five smart ways to use your health insurance benefits before the year-end.
Schedule your next medical appointment with our primary care specialists at Mansfield Primary Care Doctors in Mansfield, Texas, to make the most of your health benefits.
While your health insurance carries over from year to year (unless you opt out), your benefits may reset in January. So what does that mean? If you’ve met your annual deductible, it’s time to take full advantage of any last-minute medical needs before the New Year, unless you have carryover benefits.
The same holds for flexible savings account (FSA) funds; they may expire year after year if they go unused.
Consider these five tips for making the most of your health insurance benefits before the end of the year:
Reach out to your insurance company to determine if you have any carryover benefits. That means unused money or benefits may carry over into the next year. If they don’t carry over, it’s highly beneficial to schedule those last-minute medical visits before the ball drops. Health savings accounts (HSAs) often carry over from year to year.
Contact your health insurance company to confirm your annual deductible or if you have met it. If you’ve met your deductible and your benefits reset on January 1st, it’s time to take advantage of any necessary or elective health visits before the year-end.
It’s also helpful to ask if your insurance provider has an annual maximum (the maximum amount they cover annual medical or dental expenses).
If your FSA money expires at the end of the year, use it, don’t lose it. Examples of things you can spend FSA money on include deductibles, copayments, prescription medications, insulin or other diabetes care needs, medical equipment, medical supplies, and much more.
Are you due for an annual physical, chronic disease management to avoid complications, a mental health evaluation, or perhaps screenings for high blood pressure (hypertension), high cholesterol, heart disease, diabetes, arthritis, hormone imbalances, cancer, or other chronic conditions?
If so, the end of the year is the perfect time to take advantage of these potentially live-saving services.
If you’re a candidate for a medical procedure and you’ve met your annual deductible, schedule it before your insurance benefits reset.
Examples include women’s health treatments (gynecological procedures, etc.), weight loss surgery, permanent birth control (sterilization), dental treatments, dermatology procedures, joint injections or surgery, or other medical procedures.
Schedule a primary care appointment at Mansfield Primary Care Doctors today and use your health insurance benefits before they expire. Contact us by phone or book an appointment online.