The end of the year creeps up quickly, and amidst the holiday rush, it's easy to lose sight of important health and financial benefits. Many find themselves overwhelmed or unsure of what steps to take next. But take heart—acting now can prevent the loss of valuable coverage and savings. Here are some encouraging tips to help you make the most of your benefits before December 31st and step into the new year with peace of mind.

Check Your Deductible Status

Are you aware of your current deductible status? If you've met your health insurance deductible, now is the perfect time to schedule those check-ups, procedures, or follow-up appointments. This way, you can maximize the healthcare services available to you before your deductible resets.

Use Your Flexible Spending Account Funds

FSAs often operate on a "use it or lose it" basis. Be sure to spend down those balances on eligible expenses before year-end unless your plan offers a rollover or grace period. This small effort can lead to significant savings by utilizing funds that might otherwise be forfeited.

Refill Prescriptions

If you've met your deductible or out-of-pocket max, consider refilling your recurring medications early. This proactive step can save you money and ensure you have what you need without interruption.

Book Dental or Vision Appointments

Don't overlook your dental and vision benefits. Book any remaining necessary appointments now. If no spots are available, inquire about cancellation lists to seize any last-minute opportunities.

Max Out Health Savings Account Contributions

There's still time to contribute to your Health Savings Account (HSA) through the end of the year. With its triple tax advantage—tax-deductible contributions, tax-free growth, and tax-free withdrawals for medical expenses—it’s a smart financial move.

Contact Your Plan Administrator or Benefits Advisor

If you're feeling uncertain about your coverage or remaining benefits, don’t hesitate to reach out for help. A quick conversation with a plan administrator or benefits advisor can provide clarity and guidance.

Just a few small steps now can lead to substantial savings and peace of mind. Acting before December 31st is essential. Take control of your benefits today—check your current status or reach out to a professional if you need assistance.