Real Money: Why you might want to stop putting off medical specialist visits

A few weeks ago, I was running late for my dermatology appointment and for the third time that day, I questioned why I was at the doctor's office at all. It felt like a hassle — making the appointment, driving across town to the office and finding parking. But once I sat down with my doctor and the skin check began, I remembered why I prioritize these appointments.

Three years ago, my primary care physician suggested that I see a dermatologist because I'm prone to freckles. I made the first appointment with my dermatologist and had my first skin check.

Two years ago, I had two moles removed due to my doctor's concerns that they might be cancerous. It turned out that the moles were benign and my skin was healthy. Last year, I went for another annual check-up with my dermatologist and got a clean bill of health. This year wasn't quite as simple.

At my most recent appointment, my doctor told me that there was a small bump on my face that she needed to remove. She removed a tiny sliver from the bump that she could send to the lab for a biopsy.

I'm still waiting for the results, but I know that no matter what the doctors say, I did the right thing by acting early. Even if the skin is cancerous, it can easily be removed without scarring. But I might not have been so lucky if I had skipped my annual dermatologist appointment.

Here are some of the doctor's appointments I plan to make this year, along with some reasons why you might want to consider doing the same. Remember, you can use your FSA to pay for them!

1.Dermatologist

I might be biased, but if you have a history of skin cancer in your family, use (or used to use) tanning beds or have an unusual amount of moles or freckles, then it's probably a good idea to see a dermatologist for a check-up. Even if you don't have any concerns about sun damage, dermatologists can also help with acne, rashes, breakouts and any other skin concerns.

2. Dentist

Whether you have pain in your mouth or just need a six-month cleaning, it's important to visit your dentist at least every six months. Not only does your dentist take x-rays, clean your teeth and check for cavities, he or she will also check on your gum health. The longer you wait to visit, the more pronounced potential problems might become.

By staying on track and visiting every six months, you'll increase your chances of a clean bill of dental health and decrease your chances of receiving a big financial bill.

3. Optometrist

Whether you wear glasses or not, it's important to get an eye exam every 1-2 years. Regular eye exams will make sure that your eyesight doesn't get worse without treatment. Plus, it's always fun to see how well you can read the chart! Don't wait until you start getting headaches or can't see your notes in a meeting to make it happen. After all, the best defense is a good offense.

4. Therapist

Overall health includes both physical and mental well-being. In other words, it's important to prioritize your mental health too. Whether you've been feeling down lately or are experiencing some low-level anxiety, it might be a good idea to check in with a therapist.

There's a misconception that therapy is something that lasts for years on end, but the truth is that you might just need a quick check-in or tune-up. Either way, be sure to take care of your mental well-being.

5. Primary care physician

Yeah, I know - we're cheating. But, even though your primary care physician isn't necessarily a specialist, it's just as important to make (and keep) your appointments with your primary doctor. Annual wellness exams are an important part of preventative care because your doctor might be able to see things that you haven't noticed yet.

No one wants unnecessary doctors' visits. But medical specialists exist for a reason and it's important to prioritize every part of your health. Plus, doctors' appointments and any associated copays are FSA-eligible. In other words, making a specialized medical appointment should be an easy "no-brainer" -- don't potentially put your health at risk by putting them off.

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