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Make the Most of Your Health Insurance Benefits Before Year-End
September 26, 2026
As the end of the year approaches, you may be thinking about holiday plans, school schedules and everything else that comes with a busy fall. But there is one more item worth adding to your list: reviewing your health insurance benefits.
For many health insurance plans, deductibles and out-of-pocket maximums reset at the beginning of a new plan year. If you have already met, or are close to meeting, your deductible, this may be a good time to schedule dermatology care you have been putting off.
From an annual skin exam to treatment for an ongoing skin condition, taking care of your dermatologic health now may help you make the most of your current benefits while addressing concerns before the new year.
Start With Your Annual Skin Exam
If you haven’t had a skin exam recently, fall is a great time to put one on your calendar.
During a full-body skin exam, your dermatologist examines your skin for suspicious or changing spots that could be signs of skin cancer.
Your dermatologist can also help determine how frequently you should have a professional skin exam based on factors such as your personal and family history of skin cancer, previous sun exposure, number of moles and other individual risk factors.
Dermatology Care That May Be Covered by Insurance
Dermatologists treat thousands of conditions affecting the skin, hair and nails. When care is considered medically necessary, many dermatology visits, diagnostic procedures and treatments may be eligible for insurance coverage.
Depending on your individual plan and medical needs, commonly covered dermatology care may include:
- Evaluation and treatment of acne, eczema, psoriasis and rosacea
- Evaluation of rashes, infections and other skin conditions
- Hair and scalp conditions
- Evaluation of suspicious moles, lesions or growths
- Skin biopsies when medically necessary
- Treatment of precancerous lesions, including actinic keratoses
- Diagnosis and treatment of skin cancer
- Certain prescription medications and medically necessary procedures
Have You Already Met Your Deductible?
A deductible is the amount you pay toward covered healthcare services before your insurance plan begins paying its share of certain costs. Once you meet your deductible, you may pay a copay or coinsurance for covered services, depending on your plan.
If you’ve already had significant healthcare expenses this year and have met your deductible or out-of-pocket maximum, it may be worth reviewing any dermatologic care you’ve been postponing.
For example, have you been meaning to have a persistent rash evaluated? Is there a spot you’ve been watching that has changed? Are you overdue for follow-up care for psoriasis, eczema or another chronic skin condition?
Addressing these concerns before your benefits reset may make sense medically and financially.
Don’t Wait Until the Last Week of December
Dermatology schedules can become busy toward the end of the year, especially as more patients try to use their remaining health benefits.
Early fall is a good time to review your benefits and schedule any appointments or follow-up care you’ve been putting off. More importantly, don’t delay care for a concerning skin change simply because you’re waiting to meet a deductible or reach a particular time of year.
Your skin is your body’s largest organ, and taking care of it is an important part of taking care of your overall health.
Due for a skin exam or have a concern you’d like evaluated? Schedule an appointment with one of our dermatology providers today.
Insurance coverage and patient financial responsibility vary by insurance carrier and individual plan.
Home » Make the Most of Your Health Insurance Benefits Before Year-End
As the end of the year approaches, you may be thinking about holiday plans, school schedules and everything else that comes with a busy fall. But there is one more item worth adding to your list: reviewing your health insurance benefits.
For many health insurance plans, deductibles and out-of-pocket maximums reset at the beginning of a new plan year. If you have already met, or are close to meeting, your deductible, this may be a good time to schedule dermatology care you have been putting off.
From an annual skin exam to treatment for an ongoing skin condition, taking care of your dermatologic health now may help you make the most of your current benefits while addressing concerns before the new year.
Start With Your Annual Skin Exam
If you haven’t had a skin exam recently, fall is a great time to put one on your calendar.
During a full-body skin exam, your dermatologist examines your skin for suspicious or changing spots that could be signs of skin cancer.
Your dermatologist can also help determine how frequently you should have a professional skin exam based on factors such as your personal and family history of skin cancer, previous sun exposure, number of moles and other individual risk factors.
Dermatology Care That May Be Covered by Insurance
Dermatologists treat thousands of conditions affecting the skin, hair and nails. When care is considered medically necessary, many dermatology visits, diagnostic procedures and treatments may be eligible for insurance coverage.
Depending on your individual plan and medical needs, commonly covered dermatology care may include:
- Evaluation and treatment of acne, eczema, psoriasis and rosacea
- Evaluation of rashes, infections and other skin conditions
- Hair and scalp conditions
- Evaluation of suspicious moles, lesions or growths
- Skin biopsies when medically necessary
- Treatment of precancerous lesions, including actinic keratoses
- Diagnosis and treatment of skin cancer
- Certain prescription medications and medically necessary procedures
Have You Already Met Your Deductible?
A deductible is the amount you pay toward covered healthcare services before your insurance plan begins paying its share of certain costs. Once you meet your deductible, you may pay a copay or coinsurance for covered services, depending on your plan.
If you’ve already had significant healthcare expenses this year and have met your deductible or out-of-pocket maximum, it may be worth reviewing any dermatologic care you’ve been postponing.
For example, have you been meaning to have a persistent rash evaluated? Is there a spot you’ve been watching that has changed? Are you overdue for follow-up care for psoriasis, eczema or another chronic skin condition?
Addressing these concerns before your benefits reset may make sense medically and financially.
Don’t Wait Until the Last Week of December
Dermatology schedules can become busy toward the end of the year, especially as more patients try to use their remaining health benefits.
Early fall is a good time to review your benefits and schedule any appointments or follow-up care you’ve been putting off. More importantly, don’t delay care for a concerning skin change simply because you’re waiting to meet a deductible or reach a particular time of year.
Your skin is your body’s largest organ, and taking care of it is an important part of taking care of your overall health.
Due for a skin exam or have a concern you’d like evaluated? Schedule an appointment with one of our dermatology providers today.
Insurance coverage and patient financial responsibility vary by insurance carrier and individual plan.
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