Use It or Lose It: How to Maximize Your FSA and HSA Benefits Before Dec 31
The end of the year brings holiday travel, busy schedules, and long to-do lists. However, you should not forget one major item on your financial checklist: your Flexible Spending Account (FSA) or Health Savings Account (HSA) balance.
If you have an FSA, December 31st brings a strict “use it or lose it” deadline. Unspent money in your account will disappear at midnight on New Year’s Eve. Your employer gets those funds back.
Why forfeit your hard-earned cash? Instead, invest those tax-free dollars directly into your physical health, joint mobility, and daily comfort.
Our Brier Creek chiropractic team in Raleigh helps you get the most from your health benefits before time runs out. Here is how you can use your FSA and HSA funds for total body care before December 31st.
FSA vs. HSA: Know Your Rules
FSAs and HSAs both let you pay for medical care using pre-tax dollars. However, they follow very different end-of-year rules:
[Unused FSA Balance] ──> Dec 31 Midnight Deadline ──> Money Goes to Employer
│
[Book Q4 Care Today] ──> Invested in Your Health & Pain Relief
Check your benefits portal today to confirm your exact balance and rollover rules.
What Services Can You Cover?
The IRS approves a wide range of chiropractic and wellness services.
You can swipe your FSA or HSA card at our clinic just like a regular credit card for any of these options:
1. Comprehensive Chiropractic Exams & Adjustments
Address lower back pain, neck stiffness, and tension headaches. Initial consultations, physical exams, and spinal adjustments qualify 100% under FSA and HSA rules.
2. Custom Foot Orthotics
Fix foot arch pain, knee strain, and poor posture. Custom-molded foot orthotics restore proper alignment, and most FSA/HSA plans cover them completely.
3. Active Rehabilitation & Soft-Tissue Care
Rebuild your body after a sports injury or daily work strain. Therapeutic exercise instruction and active muscle therapies count as eligible medical expenses.
4. Cold Laser Therapy & Care Packages
Target deep joint inflammation using advanced tools. You can apply pre-tax dollars directly to specialized care packages like Erchonia Cold Laser Therapy.
3 Reasons to Book Before December 31st
Using your pre-tax dollars before January 1st protects your wallet and boosts your physical recovery:
1. You May Have Met Your Insurance Deductible
Did you already pay off your health insurance deductible this year? If so, your out-of-pocket costs for care are lower right now than they will be in January.
2. Get a Head Start on Your Fitness Goals
Do not wait for New Year’s Day to fix joint stiffness or back pain. Resolving movement problems in December allows you to start your January workouts safely.
3. Beat the End-of-Year Schedule Rush
Patients rush to use their expiring benefits during the last two weeks of December. Booking early guarantees you get a appointment time that fits your schedule.
How to Use Your Benefits at Our Clinic
We keep the process simple and stress-free:
Check Your Balance: Log into your FSA/HSA portal to see your remaining funds.
Book Early: Reserve your appointment before the holiday rush fills our calendar.
Pay Directly: Swipe your FSA or HSA debit card at checkout. We provide itemized receipts if your provider asks for proof.
Keep Your Hard-Earned Money!
Your FSA funds are part of your hard-earned paycheck. Do not let them vanish on December 31st. Invest that money back into your body, eliminate lingering pain, and start the New Year feeling strong.
Ready to use your benefits? Book your end-of-year chiropractic visit at our Brier Creek clinic in Raleigh today before appointments run out!