It’s the end of the year.  Most insurances have sent out their new policies ( if any) to their clients.  If you look through it-your benefits may have changed.  I know ours have changed to be less beneficial.   We now get a deductible to meet before the insurance kicks in.  BOO!  Be sure to read through yours carefully as you may want to go see the dermatologist/OB/family doc etc before the deductible count restarts in January or in our case-before we get to start paying a deductible.  Just something to think about–hopefully-it’s not to late to make an appt if you need to.