answer:Check your policy; our high deductible plan ($2700) includes 100% coverage for ‘maintenance’ health care. Our exams, mammograms, and other preventative programs are covered. Also, see what HSA plans are available to you. Ours rolls over each year, so if I can save $2700 (pre-tax) and am healthy all year, I’m still good the next. Otherwise, any procedures that you’ve been considering for a while should happen at the beginning of your year to meet the deductible, then the rest of the year is covered.