🎄 The Holiday Rush: Don’t Overlook Your Benefits 🎄

As the year winds down and holiday preparations take over, it’s easy to get swept up in the chaos—shopping, family gatherings, and end-of-year deadlines. But while you’re wrapping presents, don’t forget to wrap up your benefits too. Many health and financial perks reset or expire at year’s end, and a little attention now can save you money (and stress) later.

Here are a few smart moves to make before December 31st:

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1. Use Your Flexible Spending Account (FSA)

Most FSAs operate on a “use it or lose it” basis. That means if you don’t spend the money you’ve set aside, it vanishes once the year ends (unless your plan offers a rollover or grace period). Eligible expenses include things like medical supplies, prescriptions, and even certain over-the-counter items. Don’t leave free money on the table—plan your purchases or schedule necessary services before the deadline.

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2. Schedule Dental & Vision Appointments

Still have dental or vision benefits left? Book those checkups now. End-of-year appointments fill quickly, so if you can’t get a confirmed slot, ask to be added to a cancellation list. A last-minute opening could be your chance to maximize your benefits.

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3. Refill Your Prescriptions

If you’ve already met your deductible or out-of-pocket maximum, it may cost you little to nothing to refill prescriptions before the year ends. Stocking up now can save you money and give you peace of mind heading into the new year.

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4. Max Out Your HSA Contributions

Health Savings Accounts (HSAs) come with a triple tax advantage:

• Contributions reduce taxable income

• Growth is tax-free

• Withdrawals for qualified expenses are untaxed

If you’re eligible, consider topping off your contributions before December 31st to maximize these long-term savings.

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5. Check Your Deductible Status

Take a quick look at your health plan. If you’ve already met your deductible, now is the perfect time to schedule procedures, follow-ups, or screenings before the deductible resets in January. You’ll get more value from your plan and minimize out-of-pocket costs.

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6. Contact Your Plan Administrator

Still unsure about what’s left in your benefits? A quick call to your plan administrator or HR representative can clarify your options. Sometimes, the best move is simply asking the right questions.

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🎁 Take Control Before the Ball Drops

A few small steps now can lead to big savings and peace of mind. Prioritize your benefits before December 31st so you can head into the new year with confidence—financially and health-wise.

✨ Take charge today, enjoy your holidays tomorrow. You’ve got this! ✨