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Year-End Benefit Planning

Many health insurance benefits have annual maximums that reset at the beginning of each calendar year or on your policy anniversary. Planning your healthcare around these reset dates is one of the simplest ways to get maximum value from your plan.

Benefits Worth Using Before They Reset

Prescription drug dispensing fees, paramedical maximums and dental coverage are the most common benefits that people leave unused at year-end. A short audit of your remaining balances in autumn can save you significant out-of-pocket costs.

  • Check your remaining dental benefit balance before December
  • Book physiotherapy, chiropractic or massage before your annual maximum resets
  • Refill long-term prescriptions to use drug coverage near the end of the year
  • Schedule an eye exam if your vision benefit is unused