Most consumers pay significant premiums for their health insurance, but not everyone takes full advantage of the benefits of insurance coverage, especially once the annual deductible has been reached.

Using your health plan benefits for medical visits, screenings and procedures is the best way to support your overall health. And, as the current plan year comes to an end, right now may be the best time to address any outstanding medical needs by taking advantage of paid-up deductibles or funds available in your flexible spending account (FSA).