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If you're close to the dollar limit or are about to hit your cap of doctor’s appointments for the year, book half your appointments in December and the rest in January. However, do not compromise your health by waiting for an appointment. Instead, plan to book your annual check-ups for the end of the year, this way if you have hit the “cap” of doctor’s visits or the dollar amount due to an “unhealthy year,” you will not go over your limit by going to an “unnecessary” check up which could have been included in one of your visits.