I hit my out of pocket max for the first time (one off issue). Is there anything I should do for "free" before 12/31? I have a HDHP so usually need to pay for everything 100% OOP and rarely do anything other than the covered preventative items.

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Chiropractor, dermatology

Check your insurance fine print but all those "nice to have" checkups should be done

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Anything and everything, talk to your GP and get whatever you can.

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How old are you? If 45+, there are some cancer tests they now recommend earlier

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Mid 30s

I would get a full scan, blood work, dermatology exams, dentist, and eye exams.

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Talk to your doctor and ask if they recommend any tests.

I had the same thing happen to me last year and I got a full cancer screening.

I think you should focus on whatever would most benefit you. Contact your primary doctor and perhaps specialists you see every year (like for me, my gynecologist and dermatologist) and ask them what they'd suggest you do.

Many doctors are willing to give patients samples of medications especially if they're new to the medication or if they're struggling to afford it. Just give it a try. You never know.

As a Plan Administrator for a sponsored plan, these suggestions are making my eye twitch.

I would suggest a discussion with your GP and see if they have suggestions that are pertinent to your medical situation and family medical history. Use the benefit to your advantage, but make sure the services are for things you actually need…

Agree. I wouldn't spend just to spend but as someone who usually powers through things and other than dentist cleanings, physicals, occasional eye checkups (100% covered preventative) could go 5+ years without seeking care so want to make sure I'm not missing something obvious.

I'll set up something with my GP and maybe also a chiropractor as I've never been to one and have off and on back issues.

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