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Stay financially fit through the end of 2025 and beyond

As the holidays approach, it's easy to get caught up in seasonal spending, but a little planning now can help you start the new year with confidence. Our End-of-year Financial Wellness checklist offers practical steps to help you protect your peace of mind. On the list you’ll find:

Review your health insurance needs

Medicare’s open enrollment period runs Oct. 15 to Dec. 7. But don’t forget to fill Medicare’s coverage gaps with supplemental insurance. Not every plan will suit your needs, so it’s important to understand the details, like riders and out-of-pocket costs, before choosing. The right supplemental coverage can help you manage health expenses easier.

Set a holiday spending budget

If you're living on a fixed income, keeping holiday spending in check is key. Review last year’s expenses and compare them to your current budget to set a comfortable spending limit.

Check your FSA or HSA account

If you have a Flexible Spending Account (FSA), remember that unused funds often expire at the end of the year, so you need to use them before Dec. 31. For Health Savings Accounts (HSAs), consider making the maximum contribution to take full advantage of the tax benefits.

Update your estate plan

Your will and estate plan should reflect your current wishes and circumstances. Think of it as a living document that deserves regular attention. If you haven’t already, consider preplanning your funeral to ease future stress on your loved ones.

Medicare insurance enrollment doesn’t have to be difficult

Join our “Medicare insurance simplified” live online masterclass on Oct. 22 at 10 a.m.

The masterclass will cover:

• What Medicare is and isn’t
• Medicare enrollment periods
• How to sign up for Medicare, step by step

• Options for filling Medicare coverage gaps
• How often to review your Medicare needs 
• Your queries in a Q & A session

Be well prepared with Hospital Indemnity insurance

Hospital Indemnity insurance helps you stay financially secure during unexpected hospital stays by providing cash benefits to cover costs your regular insurance may not — like deductibles, copays, or everyday expenses.

Keep your bank account healthy while you get hospital treatment.

Get answers to common questions so you can talk confidently with your agent and tailor a plan that fits your needs.

Watch a short video to see how Hospital Indemnity insurance helps you be well prepared and well protected.

Helpful resources

Short-term Care insurance guide

4 exercises that are important over 50 guide

Funeral planning

guide

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Explore and learn more

Wellabe offers life and supplemental health insurance plans to help you prepare for good days and bad. We'll always be here to empower you to be well – well prepared and well protected. If you’d like to speak to an agent to learn more, call 866-739-8143.