Make the Most of Your Benefits Before Year-End

by | Nov 3, 2025

As the end of the year approaches, many people are focused on holiday plans and wrapping up their to-do lists. Your skin deserves a place on that list, too. Fall and winter are excellent times to schedule dermatology visits, especially if you’ve met your insurance deductible or have unused funds in a flexible spending account (FSA) or health savings account (HSA).

Whether it’s time for your annual skin exam, a follow-up for a chronic condition, or finally addressing something you’ve been putting off, using your benefits before they reset can help you save while prioritizing your health.

Why Now Is the Perfect Time for a Skin Check

A yearly skin exam is one of the most effective ways to detect skin cancer early. Skin cancer is the most common form of cancer in the United States, and early detection makes treatment far more effective. At Mosaic Dermatology, we perform skin exams using a lighted magnification tool called a dermatoscope to carefully examine the skin and identify subtle changes that might not be visible to the naked eye. Even if you haven’t noticed anything new, having your skin checked by a professional regularly is a smart way to stay proactive about your health. Scheduling before the end of the year gives you peace of mind and added financial benefits if your deductible has already been met.

Address Skin Concerns You’ve Been Putting Off

The transition to colder weather often brings flare-ups in conditions like eczema and psoriasis. It’s also a great time to address concerns such as acne, rosacea, or hair loss. If you’ve been meaning to check in about a persistent issue, scheduling now ensures you make the most of your benefits while getting ahead of winter skin challenges.

If you’ve been considering a procedure such as microneedling, chemical peels, or PRP for hair restoration, the fall and winter months are ideal due to reduced sun exposure and better recovery conditions.

Understanding Your Insurance Coverage

Before your insurance resets on January 1, take a few minutes to review your deductible status and any remaining FSA or HSA balance. Many medically necessary dermatologic services, such as skin checks, biopsies, and treatments for chronic skin conditions, may be eligible.

Every insurance plan is different, and it’s not always clear which dermatologic services are covered or how your deductible applies. Our team at Mosaic Dermatology is happy to help you understand your benefits and guide you through the process.

Schedule Your Appointment in West Fargo

Your skin deserves the same attention as the rest of your health. Whether you’re due for a checkup or ready to address a concern, our team is here to help you finish the year strong. Don’t let your benefits go unused. Take advantage of the coverage you’ve earned and start the new year with peace of mind, knowing your skin is in good hands.

Call Mosaic Dermatology at 701-941-3100 or schedule an appointment online to make the most of your benefits before they reset.

Healthy skin is always worth prioritizing, and now’s the perfect time to do it.