[{"_id":"project-settings","settings":{"translateMetaTags":true,"translateAriaLabels":true,"translateTitle":true,"showWidget":true,"isFeedbackEnabled":false,"fv":1,"customWidget":{"theme":"custom","font":"rgb(255,255,255)","header":"rgb(0,0,0)","background":"rgba(0,0,0,0.8)","position":"right","positionVertical":"bottom","border":"rgb(204,204,204)","borderRequired":false,"widgetCompact":true,"isWidgetPositionRelative":false},"widgetLanguages":[],"activeLanguages":{"fr-CA":"Français (Canada)","es":"Español","en":"English"},"enabledLanguages":["en","es","fr-CA"],"debugInfo":false,"displayBranding":true,"displayBrandingName":false,"localizeImages":false,"localizeUrls":false,"localizeImagesLimit":false,"localizeUrlsLimit":true,"localizeAudio":false,"localizeAudioLimit":false,"localizeDates":false,"disabledPages":[],"regexPhrases":[],"allowComplexCssSelectors":false,"blockedClasses":false,"blockedIds":false,"phraseDetection":true,"customDomainSettings":[],"seoSetting":[],"translateSource":false,"overage":false,"detectPhraseFromAllLanguage":false,"googleAnalytics":false,"mixpanel":false,"heap":false,"disableDateLocalization":false,"ignoreCurrencyInTranslation":false,"blockedComplexSelectors":[]},"version":24214},{"_id":"en","source":"en","pluralFn":"return n != 1 ? 1 : 0;","pluralForm":2,"dictionary":{},"version":24214},{"_id":"outdated","outdated":{"#Deniece and Gardy Delerme":1,"#Building Family After Breast Cancer: A Broken Brown Egg AHA Grant Winner’s Story":1,"#Episode 218":1,"#comunicarse con su Defensor de Atención al Paciente":1,"#Progyny Applauds White House Commitment to Expand Access to In Vitro Fertilization (IVF) and High-Quality Fertility Care":1,"#Progyny statement on the White House Announcement October 16, 2025 When it comes to the dream of family building, every […]":1,"#send an email to enteryour@addresshere.com?subject=Facts+and+myths+about+IVF&body=Check%20this%20out:%20https%3A%2F%2Fprogyny.com%2Feducation%2Ffacts-and-myths-around-ivf%2F":1,"#to speak with a Patient Care Advocate":1,"#send an email to enteryour@addresshere.com?subject=Understanding+the+luteinizing+hormone+test&body=Check%20this%20out:%20https%3A%2F%2Fprogyny.com%2Feducation%2Fluteinizing-hormone%2F":1,"#Jan 14, 2025 Progyny’s partnership with Cigna brings fertility coverage to more employees, expanding nationwide access to care. FEM TECH":1,"#FEM TECH":1,"#Progyny’s partnership with Cigna brings fertility coverage to more employees, expanding nationwide access to care.":1,"#Jan 14, 2025":1,"#Cigna Healthcare Partners with Progyny to Expand Fertility Benefits Access":1,"#CryoFuture, - open in a new tab":1,"#Read on Fortune: How Women’s Health Benefits Are More Essential in the Workplace Than Ever Before":1,"#Trending":1,"#Explore our newsroom to find Progyny's latest press releases, media coverage, resources and company updates.":1,"#Progyny ringing the NASDAQ bell for NIAW":1,"#progyny logo":1,"#Inc Power Partner":1,"#T100-Most-Influential-Companies_Time100-MIC_Badge-CMYK-Black-Red-on-Transparent-450h":1,"#Best in Biz award 2024 Gold winner":1,"#2022_NB_F50_Stacked_450h":1,"#Progyny significantly exceeds national benchmarks on every key clinical measure of fertility success":1,"#Cass Pratt, Dr. Choi, Dr. Alukal":1,"#Jenny Saft":1,"#happy woman on headset speaking to patient":1,"#TIME 100: Peter Anevski":1,"#woman doing virtual pelvic floor therapy":1,"#woman wearing Oura ring":1,"#seated pregnant woman smiling at camera":1,"#Pete Anevski":1,"#two happy women in the workplace":1,"#woman consulting medical provider":1,"#Report":1,"#female colleagues seated at a work meeting":1,"#Our LinkedIn":1,"#INVESTOR PAGE":1,"#About us":1,"#Browse our in-house images and videos featuring Progyny executives, culture, and more":1,"#B-ROLL & PHOTOS":1,"#Reference and cite the latest, compelling data from research and studies":1,"#INFOGRAPHICS & DATA":1,"#Access high-res logos, icons, and tips on applying our brand colors and design":1,"#LOGOS & BRAND GUIDELINES":1,"#New Progyny Study Reveals Gap Between Perceptions and Realities in Women’s Health Benefits Coverage":1,"#Media resources":1,"#Take me to education":1,"#Women’s health and family building are complicated and ever changing. Learn more from a wide range of educational videos, get accurate information on trends from our DocTalk series, and listen to members share stories on our podcast.":1,"#Learn more about women’s health":1,"#women’s health and family building solutions":1,"#Our commitment to elevating the standard for best-in-class":1,"#Recognized for impact":1,"#Take me to the blog":1,"#Explore our blogs for insights from experts across the industry on the latest in IVF, menopause, men’s health, family building and more.":1,"#Looking for unique perspectives?":1,"#Exclusive":1,"#Progyny Global Brings Employer Fertility Coverage Worldwide":1,"#Deepening The Member Commitment With An Optimal Experience":1,"#Progyny CEO Pete Anevski wins TIME100 Health Award for his and Progyny’s work to expand access to infertility care":1,"#TIME":1,"#Read Now":1,"#The benefits battleground for retaining female talent":1,"#FORTUNE":1,"#Contact us at <a ljsid-1=\"\">media@progyny.com</a>":1,"#Featured coverage":1,"#View more releases":1,"#Progyny Partners with ŌURA to Empower Women and Their Care Teams with Wearable Tech Data":1,"#Progyny Applauds White House commitment to expand access to in vitro fertilization (IVF) and high-quality fertility care":1,"#Latest press releases":1,"#Forum Champion for Women’s Health":1,"#Progyny CEO Named World Economic":1,"#Discover the latest in women’s health and family building.":1,"#circular cycle icon":1,"#By Janet Choi, MD, MSCP, Chief Medical":1,"#Who is MHT recommended for?":1,"#MHT is available in various forms, such as patches, gels, pills, sprays, and vaginal rings. There are many other various combinations of MHT patients can be prescribed in addition to estradiol and progesterone, and you can work with your provider to discuss which option may be the best for you.":1,"#MHT is FDA approved to treat hot flashes and as a prevention treatment for osteoporosis. However, your provider may prescribe MHT to help relieve other common symptoms of menopause, such as mood swings, brain fog, and vaginal health.":1,"#Menopausal Hormone Therapy (MHT) is a treatment option for menopause symptoms that replaces the hormones in the body the ovaries no longer produce during this phase, including the transition periods known as perimenopause and post-menopause. These hormones, most commonly estradiol and progesterone, mimic what the body naturally produced before menopause to help manage symptoms like hot flashes, sleep disturbances, brain fog, and more.":1,"#What is Menopausal Hormone Therapy (MHT) and how does it work?":1,"#Claudia Zimmerman, RNC-OB, Sr. Director, Network Management at Progyny (Moderator)":1,"#Rebecca Dunsmoor-Su, MD, MSCE, MSCP, FACOG, Chief Medical Officer at Gennev":1,"#This webinar will provide an overview of MHT and the symptoms it can treat, and address common questions and misconceptions.":1,"#Progyny members can contact Progyny at 888.597.5065 or via their employer specific phone number to learn more about your employer-specific benefit and available care options.":1,"#If you are a Progyny member, know that Progyny is always here to support you across life’s milestones, and you can access additional resources at <a ljsid-1=\"\">progyny.com/education</a>.":1,"#MHT is not the only available option for menopausal women wanting to manage their symptoms. If you ever have questions around symptoms you’re experiencing and want to discuss treatment options, always consult your healthcare provider to understand the best next steps for you.":1,"#Lifestyle changes can also help alleviate perimenopause and menopause symptoms for those who don’t want to take MHT or those in a higher risk category, such as breast cancer survivors. Treating sleep disruptions can be helped psychologically with cognitive behavioral therapy, or physically, such as keeping your room cool or having a cold pad in your bed. Many women also experience weight changes, which can be helped by adjusting the amount of protein and fiber in your diet and exercising to build muscle.":1,"#There are other available options that can treat menopause symptoms if a patient is uncomfortable or not the right fit for MHT. Prescription medications such as SSRIs are seen to improve hot flashes and night sweats. Newer FDA-approved treatments, such as fezolinetant, work at the control center of your brain to help regulate and minimize your vasomotor symptoms (hot flashes and night sweats).":1,"#What are non-hormonal treatment options for menopause symptoms?":1,"#MHT treatments are FDA approved and prescribed by menopause trained specialists. The most commonly prescribed forms are bioidentical, meaning they are molecularly identical to the hormones your body naturally produced pre-menopause. While it is always an individual’s decision whether they want to be on MHT or not, taking MHT can be a very beneficial and safe treatment option for women having trouble managing symptoms.":1,"#Are “natural” alternatives safer than MHT?":1,"#Janet Choi, MD, MSCP, Chief Medical Officer at Progyny":1,"#Side effects of MHT are usually mild and manageable, and may include breast tenderness, bloating, or mood changes, especially with progesterone. More serious side effects, such as blood clots or cardiovascular issues, are extremely rare but should be discussed with your provider, especially if you have a personal or family history of these conditions.":1,"#What are the side effects of MHT?":1,"#No, MHT is not only used for hot flashes. Although MHT is approved by the FDA to treat hot flashes and prevent osteoporosis, MHT can be used for other symptoms decided by your doctor.":1,"#Is MHT only used for hot flashes?":1,"#Early studies from the WHI (World Health Initiative) caused a lot of fear among the public surrounding MHT. However, more recent research shows the risk is much smaller than believed two decades ago when the study first came out. MHT does not cause breast cancer, and risk factors of MHT are dependent on the type you take, duration of use, and your medical history and personal risk factors. If you start MHT, you will typically be prescribed a combination of estrogen and progesterone. This is because progesterone counteracts the stimulatory effects of estrogen on the uterine lining, which may reduce the risk of uterine cancer. You may not be prescribed the full systemic menopausal therapy if you are a survivor of breast cancer, have an active hormone-related cancer, liver disease, blood clots, or a cardiovascular disease. Deciding to take MHT is an individual decision made with the help of your menopause provider, who will help you weigh the benefits and risks to decide if MHT may be right for you.":1,"#Does MHT cause breast cancer?":1,"#What are the myths and common misconceptions of MHT?":1,"#Deciding to take MHT is not a lifetime decision, although some patients may choose to be on MHT through post-menopause. Every case is individual, and the choice is always discussed with your doctor to determine what is best for you. If you choose to stop taking MHT, you may experience some hot flashes or other common symptoms which will typically disappear quickly after stopping.":1,"#After MHT is taken, hot flashes or night sweats can improve within 1-2 weeks. More subtle symptoms such as sleep and brain fog may take anywhere from weeks to months to see improvement. You may experience light side effects such as breast tenderness, bloating, or light spotting. Some side effects may come from certain MHT routes, such as getting a skin irritant from the patch or experiencing mood changes from progesterone (which affect a very small percent of women who experience mood swings during their menstrual cycle).":1,"#There aren’t certain tests someone has to pass to determine if MHT is right for them. Instead, deciding if MHT is beneficial to a patient is a decision that varies from patient to patient and is decided along with your trusted healthcare provider. Your provider will consider a range of factors to help weigh the potential benefits against any risks, such as your medical history, current health conditions, family health risks, and the severity of your symptoms. Your provider will review your menstrual history and symptoms, and may recommend routine screenings like mammograms, pap smears, and possibly bone density scans before starting therapy.":1,"#Menopausal Hormone Therapy (MHT) is a common treatment option for women looking to alleviate the symptoms related to menopause. Perimenopause and menopause are a transitional time for women marked by hormonal changes and menstrual irregularity that can cause an array of symptoms for women that may impact daily life and prevent many from feeling their best. Some wonder if the treatment option MHT is right for them. In honor of Menopause Awareness Month in October, Progyny hosted a discussion to dive into this topic and address top questions and misconceptions.":1,"#October 10, 2025":1,"#Menu Terjemahan":1,"#Menu Aksesibilitas":1,"#Pour les couples qui tentent de concevoir, l'absence de règles est souvent le premier signe encourageant d'une grossesse positive. Mais que se passe-t-il si le test de grossesse est négatif ? Les explications sont multiples.":1,"#Who can enroll?":1,"#HSAs":1,"#Keep in mind, these accounts can only be used for certain approved expenses. When spending the money from one of these accounts, it’s a good idea to save your receipts.":1,"#<strong ljsid-0=\"\">Dependent Care Flexible Spending Account (DCFSA).</strong> A DCFSA is an account for dependent services like preschool, summer day camp, before and after school programs, and child or adult daycare. The money you contribute is pre-tax, so you’ll get tax savings. But the money expires at the end of the year. <a ljsid-2=\"\">Learn more about DCFSAs</a>.":1,"#<strong ljsid-0=\"\">Flexible Spending Account (FSA)</strong>. An FSA is an employer-owned account for medical expenses. The money you contribute is pre-tax, so you’ll get tax savings. But the money may expire at the end of the year. <a ljsid-2=\"\">Learn more about FSAs</a>.":1,"#<strong ljsid-0=\"\">Health Savings Account (HSA).</strong> An HSA is like a personal bank account for medical expenses. The money you contribute is pre-tax, so you’ll get tax savings. The funds roll over every year — it’s your money to save, invest, and use until you retire. <a ljsid-2=\"\">Learn more about HSAs</a>.":1,"#Saving money with tax-advantaged accounts (like HSAs and FSAs) | Progyny":1,"#hand dropping a coin into a piggy bank":1,"#Talk with your employer or health plan representative to understand which plans are available and right for you. Your Progyny Benefits Specialist is also here to help support you. It’s always OK to ask any questions you have.":1,"#How do I learn more?":1,"#You can use your DCFSA funds on qualified dependent care expenses, such as preschool, summer day camp, before and after school programs, and child or adult daycare. Unused funds do <strong ljsid-1=\"\">not </strong>roll over to the next year, and you cannot cash out the account.":1,"#Common account types":1,"#If you make $155,000 or more, you can contribute up to $3,600.":1,"#In 2025, if you make less than $155,000, you can contribute up to $2,500 if you’re married and file a separate tax return. Or up to $5,000 if you’re married and file a joint tax return, or if you file as single or head of household.":1,"#The contribution limits change over time, and your employer may have lower limits. Be sure to research this every year.":1,"#A DCFSA account can be used for children under 13 years old or adults you live with who are not able to care for themselves.":1,"#You can enroll in a DCFSA if it’s offered by your employer. You do not need to enroll in a certain health plan to have a DCFSA. You can contribute funds pre-tax.":1,"#You can use your FSA funds on qualified medical expenses, such as deductibles and co-pays (but not premiums). Typically, unused funds do <strong ljsid-1=\"\">not </strong>roll over to the next year, and you cannot cash out the account.":1,"#In <strong ljsid-1=\"\">2025</strong>, you can contribute up to $3,300.":1,"#The contribution limits change over time. Be sure to research this every year.":1,"#You can enroll in an FSA if it’s offered by your employer. You do not need to enroll in a certain health plan to have an FSA. You can contribute funds pre-tax.":1,"#They come with other benefits, too. For example, your contributions are tax-deductible. And with some plans, your employer may help contribute.":1,"#FSAs":1,"#If you cash out (without using the money for qualified medical expenses), you will have to pay taxes and possibly a tax penalty.":1,"#You can use your HSA funds on qualified medical expenses, such as deductibles and co-pays (but not premiums). Your account rolls over every year, and you can keep the account if you switch jobs or health plans. You can only contribute if you have a high-deductible health plan.":1,"#What can I do with the funds?":1,"#If you are 55 or older, you can contribute an additional $1,000.":1,"#In <strong ljsid-1=\"\">2026</strong>, you can contribute up to $4,400 if you have individual coverage. Or up to $8,750 if you have family coverage.":1,"#In <strong ljsid-1=\"\">2025</strong>, you can contribute up to $4,300 if you have individual coverage. Or up to $8,550 if you have family coverage.":1,"#The contribution limits change over time. If you go over the limit, you may have to pay tax penalties. Be sure to research this every year!":1,"#How much can I contribute?":1,"#You can enroll in an HSA if you have a qualified high-deductible health plan. You (and sometimes your employer) can contribute funds pre-tax.":1,"#Tax-advantaged accounts give you and your family a way to set aside money for healthcare and dependent care expenses.":1,"#Saving money with tax-advantaged accounts (like HSAs and FSAs)":1,"#To access the Progyny app, you must be eligible for the Progyny benefit. Please contact your Progyny Care Advocate at":1,"#No periods for three or more months":1,"#Periods that are more than 35 days apart":1,"#Periods that come less than 21 days apart":1,"#Bleeding between periods":1,"#Heavy bleeding that interferes with daily activities":1,"#young woman writing on whiteboard":1,"#AUB is complex, but it is treatable. If you are experiencing unusual bleeding, early diagnosis and care can help manage symptoms and improve your chances of conceiving. Talk with your provider if you notice changes in your cycle so you can explore the best treatment options for your fertility and overall health.":1,"#Hysterectomy: removal of the uterus, generally a last resort and not an option if you want to maintain fertility":1,"#Normally, your period comes every 21 to 35 days and lasts about two to seven days. AUB is when bleeding doesn’t follow that pattern. This can include:":1,"#Myomectomy: surgical removal of fibroids while preserving the uterus":1,"#Endometrial ablation: removing or destroying the uterine lining to reduce bleeding (not recommended for those who wish to conceive)":1,"#Hysteroscopy: a minimally invasive surgery to remove polyps or small fibroids":1,"#Procedures":1,"#Treatment of underlying issues, such as thyroid conditions or clotting disorders":1,"#Non-hormonal options, such as NSAIDs or tranexamic acid, to manage bleeding":1,"#Hormonal therapy, such as birth control pills, progesterone, or hormone-releasing intrauterine devices, to regulate cycles and reduce bleeding":1,"#Treatment depends on the cause, your symptoms, and your fertility goals. Options may include:":1,"#An endometrial biopsy to rule out cancer or precancerous cells":1,"#What is AUB?":1,"#Imaging tests such as ultrasound, hysteroscopy, or MRI to look for uterine changes":1,"#Bloodwork to check hormone levels, thyroid function, and clotting factors":1,"#Diagnosis usually starts with your medical history and a physical exam. Your healthcare provider may also recommend:":1,"#Together, these challenges can complicate your efforts to conceive.":1,"#Growths in the uterus, such as fibroids or polyps, can sometimes make it harder for an embryo to attach to the uterine lining. They may also raise the chance of miscarriage.":1,"#When your cycle is irregular or absent, it can be harder to know when you are ovulating, which makes it more difficult to time conception.":1,"#How does AUB affect fertility?":1,"#Other underlying health issues":1,"#Certain medications that trigger abnormal bleeding":1,"#Changes within the lining of the uterus":1,"#Abnormal uterine bleeding (AUB) is a common but often distressing condition that can affect your daily life — especially if you are trying to conceive. We spoke with <a ljsid-1=\"\">Dr. Nicole Marchetto</a>, a reproductive endocrinologist at Shady Grove Fertility in Pennsylvania and Delaware, to better understand how AUB may affect fertility and what treatment options can help.":1,"#Hormonal imbalances that affect ovulation":1,"#Blood clotting disorders":1,"#Non-structural causes may include:":1,"#Cancer or precancerous conditions in the uterus":1,"#Fibroids: non-cancerous tumors within the uterine wall":1,"#Adenomyosis: uterine lining that grows into the muscle wall":1,"#Polyps: benign growths on the inner lining of the uterus or cervix":1,"#Structural causes may include:":1,"#The causes can be either structural or non-structural.":1,"#What are the causes of AUB?":1,"#Understanding abnormal uterine bleeding and fertility":1,"#<strong ljsid-0=\"\">Descargo de responsabilidad</strong>: The information provided by Progyny is for educational purposes only and is not medical advice. Always consult a qualified healthcare provider for medical guidance.":1,"#Would you like to adjust your life insurance and disability coverage?":1,"#How much would you like to contribute to your 401k?":1,"#Are there other benefit programs to add your baby to?":1,"#What are your family’s expected medical expenses?":1,"#As you plan to change your benefit enrollments, think about:":1,"#Things to consider":1,"#You may be able to change your coverage for other benefits during this time, too. Any changes would be effective from the baby’s date of birth.":1,"#You have <strong ljsid-1=\"\">62 days from your baby’s delivery date to add them to your coverage </strong>(this is called a “special enrollment period”).":1,"#Special enrollment for your new baby | Progyny":1,"#You have 62 days from your baby's delivery date to add them to your coverage (this is called a “special enrollment period”).":1,"#a woman holding her phone and looking at laptop":1,"#Your Progyny Benefits Specialist is here for you if you have any questions.":1,"#If you miss the 62-day window, you’ll have to wait until the next open enrollment period to make changes. Be sure to add a reminder to your calendar to make this important update!":1,"#Here’s an item for your new-baby to-do list: add them to your health plan.":1,"#Special enrollment for your new baby":1,"#Child tax credit":1,"#Adding a child (dependent) on your W-4 can lead to tax savings. Your paycheck will have less tax withheld, so your paycheck will be larger.":1,"#If you withhold too much in taxes, you’ll get a tax refund later. But you could have earned interest on that money.":1,"#If you don’t withhold enough tax, you may have to pay a high tax bill later. There can be penalties, too.":1,"#After having or adopting a child, <strong ljsid-1=\"\">updating your W-4 form</strong> can help you qualify for tax breaks. You can find the W-4 form on your company’s intranet or ask human resources. Be sure to read the instructions and worksheet that comes with the form.":1,"#When you were hired, you filled out a W-4 form to set your income tax withholding (how much your employer sets aside to pay federal taxes on your behalf).":1,"#Payroll tax deductions":1,"#two pregnant women seated on couch":1,"#<a ljsid-0=\"\">Read this article on tax-advantaged accounts</a> for more information.":1,"#If your employer offers a pre-tax spending account for medical or childcare expenses, this can help you save. Your employer may add money to some of these accounts, as well.":1,"#Plus, it’s so important to be sure you’re paying the right amount of taxes after welcoming a child.":1,"#If you make $252,150 or more, you can claim a lower amount. And if you make $292,150 or more you are not eligible. These numbers may change over time. You’ll use <a ljsid-1=\"\">IRS form 8839</a> to file for this credit when you file your income tax return.":1,"#In 2024, the maximum adoption tax credit is $16,810. If you received employer-provided adoption benefits, you can exclude up to $16,810 from your income.":1,"#The adoption tax credit is a credit for qualifying adoption expenses. Details change over time so be sure to research the latest. Also find out if your state offers additional adoption tax benefits.":1,"#Adoption tax credit":1,"#The amount of the credit is based on your income and childcare expenses. In 2024, the maximum expenses you could claim was $3,000 for one dependent, or $6,000 for two or more dependents. You’ll use <a ljsid-1=\"\">IRS form 2441</a> to file for this credit when you file your income tax return.":1,"#The child and dependent care tax credit is a tax break for families that pay for childcare while they work. The credit is for children under 13 or adults who cannot care for themselves.":1,"#Child and dependent care tax credit":1,"#You can claim the child tax credit when you file your income tax return. And adjust your W-4 form to reflect this in your paycheck.":1,"#You may qualify for this credit if your income is less than $200,000 (or less than $400,000 if you file a joint return). If you have a higher income, you might be eligible for a partial credit. <a ljsid-1=\"\">Learn more about child tax credit eligibility from the IRS</a>.":1,"#The child tax credit is a tax break for eligible families.":1,"#One task to remember: update your payroll tax withholdings at work to add your dependent child. This can add income to your paycheck. And you may be eligible for a child tax credit. More money for you and your little one!":1,"#You have a lot on your mind as you prepare to welcome a new child into your family — through birth, adoption, or other paths.":1,"#Use these saving strategies":1,"#To understand where you are today and make a plan for how much you can save, you’ll want to get an accurate idea of how much money is coming in – and how much is going out. Our article on <a ljsid-1=\"\">building a spending plan</a> will walk you through it.":1,"#Your savings will provide an <strong ljsid-1=\"\">emergency fund</strong>. An emergency fund should cover 3 to 9 months of living expenses.":1,"#The money will be set aside and can be used to gain interest or invest.":1,"#It builds financial habits that can stay with you for a lifetime.":1,"#It’s so important for all families to start saving, even in the early childhood years. This does a few things:":1,"#Even small savings add up":1,"#It can be helpful to start planning for your financial future and the unknowns ahead. Fortunately, small tweaks can really add up.":1,"#relaxed happy family with piggy bank":1,"#This can help you meet your financial goals and gain peace of mind. Your Progyny Benefits Specialist is also here to support you along the way.":1,"#Many employers offer free access to financial advisors through retirement plans. These professionals can help with long-term budgeting, estate planning and preparing a will, and personalized strategies for saving and investing.":1,"#Once you have a spending plan and savings habits in place, it’s a good idea to meet with a certified financial advisor for long-term planning.":1,"#Consider a financial advisor":1,"#<strong ljsid-0=\"\">Review life and disability insurance options</strong>. Be sure you’re covered in case of a serious event.":1,"#It can be helpful to start planning for your financial future and the unknowns ahead. Fortunately, small tweaks in how you save and spend can really add up.":1,"#<strong ljsid-0=\"\">Check out wellness incentives</strong>. Some health plans reduce premiums if you participate in wellness activities.":1,"#<strong ljsid-0=\"\">Enroll in tax-advantaged accounts</strong>. Health savings accounts (HSA) or flexible spending accounts (FSA) give you and your family a way to set aside pre-tax money for healthcare and dependent care expenses. Your employer may contribute as well. <a ljsid-2=\"\">Learn more about tax-advantaged accounts</a>.":1,"#<strong ljsid-0=\"\">Get the 401k match</strong>. This is “free” money your employer provides to your retirement account.":1,"#Here’s how your employer may help:":1,"#<strong ljsid-0=\"\">Eat at home more often</strong>. If you can, eat fewer meals out. Eating at home tends to be cheaper, and as a bonus, is often healthier. When you do eat out, look for discounts, stick to water for your beverage, or think about splitting dessert.":1,"#<strong ljsid-0=\"\">Chip away at debt</strong>. If you have any high-interest debt, try to pay that off as soon as you can. It will mean less interest you have to pay over time.":1,"#<strong ljsid-0=\"\">Cancel automatic subscriptions</strong>. Look at your credit card statements for automatic charges you rarely use, never use, or forgot you had. These may include streaming or digital services, memberships, or loyalty programs. Cancel the ones you don’t need.":1,"#<strong ljsid-0=\"\">Review insurance policies</strong>. Request quotes from other companies. You may be surprised how much you can save by shopping around for auto and homeowner insurance.":1,"#Here are a few ideas for things you can do to save:":1,"#There are things you can do to start saving, and benefits from your employer that can help, too.":1,"#This is certainly true with your family’s expenses over time. As kids grow and family priorities shift, childcare and other expenses change.":1,"#As the saying goes, sometimes the only constant in life is change.":1},"version":24214}]