The holiday season looks different for everyone, but one thing’s for sure: it’s a busy time of year. Between the whirlwind of get-togethers, travel plans, and generally packed schedules, it’s easy to let important health benefits tasks slip through the cracks. Make your life a little easier and use our handy checklist below so you can stay ahead of the game and enjoy a stress-free holiday season.
Is your insurance ready for 2025?
Take a moment to update your Alto account information now, if needed, so that you can take advantage of your prescription benefits and avoid any refill delays in 2025. Simply log into your Alto app or online account and go to Account>Profile>Benefits to review your current plan information on file.
If you need to provide new insurance info, select “Add benefits.” The form will prompt you for all the required data points (you’ll find these on your prescription insurance card) or you can upload photos of your insurance card.
Prevent any potential billing issues in the new year, update your insurance now.
Use (or lose) your FSA funds
If you have money in a flexible savings account (FSA), remember it doesn’t always roll over into the new year—meaning it’s possible that your unused funds will be lost. Check your plan’s details and be sure to spend those dollars before it’s too late!
Alto is here to help you make the most of your FSA account. You can purchase FSA and HSA-eligible essential products via your Alto account or in the Alto app. Prescription refills are another great way to use your remaining funds.
Remember, Alto keeps track of your prescription spending details for you. You can easily download your year-end FSA receipts under “Payment Details” in the Alto app or through your online account.
Stock up on medication before the holiday rush
Whether you’re traveling or staying close to home this holiday season, the final weeks of December can be a blur. Review your medications now to ensure that you’re covered through the end of the year. If a refill is due around the holidays, consider scheduling your delivery a bit early to avoid any interruptions amid your celebrations.
If you’re planning extended travel and need to adjust your refill dates, let us know as soon as possible and we can help support you through the vacation override process, if needed.
Learn more about your options for early prescription refills.
Avoid billing surprises in the new year
As the new year approaches, changes to your health insurance coverage—and, to your medical costs—are common. At Alto, even if your price changes, our commitment remains the same: helping you save and ensuring your care stays affordable. We’ll do everything we can to minimize any increase to your cost, and if it changes significantly, we’ll work with you to find the best alternatives.
As you review your coverage for 2025, here are two important factors to consider that could impact your healthcare spending:
Deductible resets: Most health plans reset their deductibles— the amount you are responsible for paying— on January 1, which means you’ll need to pay out-of-pocket until your 2025 deductible is met. As you plan your holiday budget, consider setting aside a bit extra for any temporary increases in your medical costs.
Coverage and pricing updates: Insurance companies often update their medication coverage and pricing at the start of each year. At Alto, we make sure you know your out-of-pocket costs before you confirm your delivery, and we’re also here to help you explore other options if you have any concerns.
Learn more about what to look for when reviewing your updated insurance coverage.
'Tis the season for a better pharmacy
Skip extra holiday hassles with Alto’s supportive and affordable pharmacy experience. We offer convenient courier delivery and reliable 50-state shipping, so you can get your medications delivered straight to your door. Plus, with our new express delivery feature, you can count on fast, last-minute fills—no need to stress during the busy season. Stay on track with your health, no matter what the holidays bring.
If you have any questions, please don’t hesitate to reach out any time through our secure in-app messaging or by phone at 1-800-874-5881.
Editor’s Note: This post was originally published in November 2020 and has been updated for accuracy and completeness.
