请教托尼福及其他专家：关于Flexible spending account

公司的Flexible spending account 期限是从每年1月到12月, I will start this company in Oct 1st, and have the benefit start in Nov 1st.

I am expecting a baby in Mid Dec, and our insurance of Max out of pocket is $700, before reach $700, we have to pay 10%.

Now my question is, should I put down $700 into flexble spending account for the last two months? I think I will reach that $700 with doctors and hospital fee......but if we don\'t use it at the end, we will lose it......

Thanks for any info.