Innovative Ways to Use Health Insurance Before the Year Ends

Did you know Americans left over $42 billion in unused health benefits in 2023? That’s a lot of money lost. As the year winds down, it’s time to get the best health insurance in Goodyear AZ. Many people don’t even realize their benefits reset annually. If you don’t use them now, you might lose them forever.

This blog includes innovative, simple, and creative ways to maximize your coverage before December 31. You have a high-deductible plan or a flexible spending account (FSA), and we cover you.

Schedule Your Annual Wellness Visit Using Health Insurance in Goodyear AZ Benefits

Most insurance plans cover one annual checkup at no cost, which allows individuals to prioritize their health without worrying about expenses. If you haven’t scheduled yours yet, don’t delay any longer. Moreover, these visits are excellent for identifying problems early and facilitating obtaining referrals if necessary.

Doctors tend to get booked fast near the holidays. You’ll want to lock in a time soon. This visit can include screenings for blood pressure, cholesterol, diabetes, and more. It’s also a good time to ask questions you’ve put off.

Even if you feel fine, go anyway. Preventive care is cheaper than dealing with significant issues later. Besides, it's free with most health insurance plans, so why skip it?

Use Your FSA Funds Before They Expire

Flexible Spending Accounts (FSAs) don’t always roll over. Some plans allow you to carry over a small amount, but many don’t. Use that money or lose it.

You can spend FSA dollars on:

• Prescription glasses and contacts
• Dental cleanings or treatments
• Over-the-counter medicines
• Copays for doctor visits
• Medical supplies like bandages or braces

Before buying, double-check what qualifies. A quick call to your provider can help you avoid mistakes. You’ve earned those funds—put them to use now.

Refill Medications and Stock Up on Supplies

If you take regular meds, refill them before your deductible resets. This way, you save more while coverage is still active.

Many plans let you order 90-day supplies of prescriptions. Doing this now reduces costs, especially if you’ve met your deductible.

Also, think ahead. Do you need an inhaler, glucose strips, or allergy meds? Even sunscreen and acne treatments count if your doctor prescribes them.

So instead of waiting, please take advantage of your health insurance benefits while they’re still working at full speed.

Book Dental and Vision Checkups While Covered

Dental and vision care often get overlooked, yet they’re vital. Many plans cover two cleanings a year. If you missed one earlier, now’s the time.

Make sure to:

• Get a dental exam and X-rays
• Finish any cavity or root canal work
• Use vision benefits for new glasses or contacts
• Schedule an eye exam if it’s been over a year

Could you not assume it’s too late? Some dentists open extra slots before the holidays just for insurance use. You’ll save big by acting fast.

Consider Specialist Visits for Chronic Conditions

If you’ve been putting off a specialist visit, stop waiting. After you’ve met your deductible, those visits cost less.

Think about seeing:

• A dermatologist for skin concerns
• A cardiologist for heart health
• A physical therapist for back or joint pain
• A mental health professional for stress or anxiety

Using health insurance in Goodyear AZ, wisely can help manage long-term issues before they worsen. Plus, follow-ups now can reduce your costs next year.

Get Mental Health Support Covered by Your Plan

Therapy and counseling sessions are more accessible than ever. Many providers offer virtual visits. If you’ve been feeling overwhelmed, don’t push it aside.

Plans often include several health insurance plans per year, which may reset in January. That means you could miss out if you don’t act.

So, health insurance in Goodyear AZ, matters as much as physical health. Whether you need one session or ongoing support, your plan probably covers more than you think. It’s okay to ask for help—your insurance is ready to assist.

Check Your Plan for Free Health Perks

Some health plans offer perks most people ignore. Now’s a great time to explore them before they reset.

Common extras include:

• Free flu shots and COVID boosters
• Gym membership discounts or reimbursements
• Smoking cessation programs
• Virtual fitness classes
• Health coaching or weight-loss support

Search your plan’s app or website to see what’s included. You may find services you didn’t even know existed. These benefits are already paid for—so why not use them?

Plan for Major Procedures Next Year

If your deductible is met, now might be the best time to schedule surgeries or procedures. This includes things like ACL repair, gallbladder removal, or even wisdom tooth extraction.

You could save thousands by doing it now versus waiting until January. Some providers even offer early January dates that bill under your current plan year.

However, check with your insurance company first to confirm what’s included. Thoughtful planning now can give you peace of mind for the following year.

Final Thought: Make Every Dollar Count This December

Time is running out to make wise choices with your benefits. You don’t have to spend hours studying your plan—take a few minutes to review what you’ve already paid for and what’s still available.

With health insurance in Goodyear AZ, you can save money, feel better, and start the new year strong with a little effort.

And if you ever need help understanding your options, Houston’s Life is always here to support your health decisions with trusted guidance.