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Use Your Health Benefits Before They Expire: Why Now Is the Best Time to Start Physical Therapy 

As the year winds down, there’s one thing most of us forget to check: our health benefits. That’s okay. Life gets busy, especially around the holidays. But here’s the thing: those benefits are yours. They’ve been paid through your paycheck all year. Get every bit of value before your deductible resets or your FSA dollars disappear on December 31st.  
 
If you are confused about your insurance benefits, you’re not alone. A recent study1 revealed that more than half of Americans are “hopelessly confused” in regards to health insurance. Below, we explain two of the most common types and how you can take advantage of their benefits to end the year strongly. 

Your Deductible Resets Soon 

With a Health Insurance Deductible Plan2, you pay for your care until you meet a certain number: your deductible. Afterwards, your insurance will help cover the costs. If you’ve already met your deductible, or you’re close, you’ve done the hard part. That means your next physical therapy visit could cost very little or even nothing at all. 

Since the deductible resets at the end of the year, waiting until January means paying more for the same care. Make the last few months of the year count. We’ll work with you to plan sessions that use your remaining benefits wisely and set you up for success in the new year. 

Tip: Log into your insurance account or give your provider a quick call to see where your deductible stands. If it’s nearly met, now is the time to book your PT appointment. 

Don’t Let FSA Dollars Go to Waste 

With a Flexible Spending Account (FSA)3, part of your paycheck is set aside, tax-free, to spend on healthcare. Imagine having a Venmo balance that you can only apply towards appointments and medications. If you have an FSA, those funds don’t roll over at the end of the year. It’s a simple rule: use it or lose it. And since you paid for it, you deserve to use what is yours. 

FSA dollars can go toward your physical therapy visits, whether you’re managing lingering pain, recovering from surgery, or building strength after an injury. Every session helps you move with more ease and confidence. 

Together, we can make sure your hard-earned money goes toward something that truly pays off: your health. 

Small Steps Now. Big Wins Later. 

Physical therapy is much more than something you do after surgery; it can treat conditions ranging from migraines to chronic pain. Starting with physical therapy isn’t just about fixing what hurts. It’s about preventing what might. Maybe your knees ache after you run, or your back feels tight after sitting all day. You don’t have to wait for pain to become a problem. 

We’ll help you get ahead of it, one visit, one stretch, and one goal at a time. And when January comes, it truly will be new year, new you. 

Don’t Wait Too Long 

Year-end schedules fill up fast. Between holidays and insurance deadlines, it’s easy to run out of time. That’s why now is the time to act. 

Schedule your appointment now so you can make the most of your benefits before December 31. We’ll work with your schedule to make it easy. 

Find a PT Clinic Near You!

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Start the New Year Feeling Your Best 

You’ve worked hard this year. You deserve to start the next one feeling strong, mobile, and pain-free. A few sessions now can help you move better, sleep better, and live better. Good health isn’t something to put off. It’s something to invest in. 

Don’t lose the benefits you’ve already paid for. 
Finish the year strong. 

Resources

  1. https://publichealth.tulane.edu/blog/private-vs-public-health-insurance/ 
  2. ttps://www.healthcare.gov/glossary/deductible/
  3. https://www.healthcare.gov/have-job-based-coverage/flexible-spending-accounts/

Frequently Asked Questions

Most insurance plans cover physical therapy, and our team is here to help you understand your benefits before you begin care. In many cases, you don’t wait for a referral to start feeling better. We will work with you to verify coverage and explain your options, so you don’t have to navigate alone.
Your cost per visit depends on your insurance plan, including factors like copays, deductibles, and coinsurance. If you have already met your deductible for the year, your out-of-pocket costs could be significantly reduced right now. Before treatment begins, we will help you understand what to expect so there are no surprises along the way. Our goal is simple: clear communication, transparent answers, and a plan that supports both your health and your budget.

A copay is a fixed amount you pay for each visit, while a deductible is the amount you must pay out of pocket before your insurance begins covering certain services. For most standard plans, your deductible completely resets to zero on January 1st. Insurance terms can feel overwhelming, but we are here to make them easier to understand. Together, we will help you know what your plan means for your care and costs.

Many insurance plans allocate a specific number of approved visits per calendar year, which also reset on January 1st. If your plan limits visits, we will help you make the most of every session while working closely with your provider when additional care is needed. Your progress drives your treatment plan, and our team will advocate for the care that supports your goals, recovery, and long-term health.
Yes. Many patients still choose to receive care out of network because they want access to a provider they trust. In many cases, you may still have out-of-network benefits that help cover part of the cost. Our team can help you understand your options, explain any financial responsibilities, and find the best path forward together.
No, you do not need a referral to see a physical therapist. With Direct Access, you can call Confluent Health today to make your appointment.
Physical Therapy can help provide Pain Neuroscience Education to help you better understand the source of your pain. Additionally, your PT can provide graded exposure to movement and exercise at a pace that fits you.