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This time of year is full of activities with work, school and obligations with family and friends that keep us running. And, with the holidays right around the corner, it won't get less hectic anytime soon. But don't neglect to check to see if you've used all of your health insurance benefits before your plan resets for the next plan year. The following are are some basic principles you'll want to pay special attention to if you're planning to use insurance benefits to pay for your healthcare services.