Use It or Lose It: A Smart Financial Move for Your Healthcare This Year

9/22/2026

Kirksville, MO – Many of us are looking for ways to make the most of our household budgets and can sometimes forget that we have healthcare benefits available. Northeast Regional Medical Center (NRMC) reminds residents that your health insurance deductible is an asset that shouldn’t go to waste.

Patients often face higher out-of-pocket costs at the start of the year. However, if you’ve already met your deductible, your insurance plan is currently providing its maximum level of coverage.

“This is a ‘sweet spot’ in the calendar,” notes Elliott Kay, chief financial officer at NRMC. “If you have a flexible spending account (FSA) with a ‘use-it-or-lose-it’ deadline, or if you’ve hit your deductible, scheduling your care now is the smartest financial decision you can make for your health.”

Kay recommends taking these three steps today:

• Check your status: Look at your account online or call your insurance provider to see if you have met your deductible or out-of-pocket maximum.
• Audit your benefits: Check your FSA or HSA balance to avoid losing funds.
• Book early: Appointments fill up quickly as the holidays get closer. Call as soon as you can to secure your spot.

Kay says there are resources to help patients understand their health insurance coverage and encourages people to ask questions. Understanding your coverage and getting appointments scheduled will make the most of your benefits and help you wrap up 2026 and start the new year in your best health.

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