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How to Maximize Health Insurance Benefits Before End of Year

by | Sep 20, 2022 | News

How to Maximize Health Insurance Benefits Before End of Year

Believe it or not, 2023 is right around the corner! There is no better time than now to take advantage of any unused insurance benefits.

It is to your financial benefit to use any available benefits yet this year to complete any outstanding treatment, preventive or maintenance physical therapy sessions for you and your family. Don’t give up extra benefits just because you are busy or have forgotten about these perks.

Now is exactly the time to review what you are still entitled to.

What to Know About End of the Year Insurance Benefits

Almost all insurance plans reset on a calendar year. Any applied deductible amounts, out of pocket max, or visit allowances and even unused FSA plans dollar amounts do not rollover to the next benefit year. What does this mean? If you don’t use it, you lose it!

Before the year is up, ask yourself these questions:

  • Have you reviewed your insurance plan and coverage lately?
  • Did you already spend most or all this year’s deductible?
  • Are you in pain? Can physical therapy help?
  • Do you want to save money on your physical therapy costs and out-of-pocket expenses?
  • Want to start the new year pain-free and have insurance cover all or most of your costs?

If you have a family plan, had any major surgeries, or have any chronic conditions, you are especially likely to have a $0 balance remaining on your out-of-pocket expense from this year. This means that starting in the fall, the cost of physical therapy could be minimal or completely covered by insurance!

If you have a family plan, had any major surgeries, or have any chronic conditions, you are especially likely to have a $0 balance remaining on your out-of-pocket expense from this year. This means that starting in the fall, the cost of physical therapy could be minimal or completely covered by insurance!

Here’s a quick snapshot of what to watch for:

Insurance Deductible – The required amount of money paid for health services before your medical insurance starts contributing full or partial amounts for your health services. If you already paid your deductible, it’s a great time to get your visits scheduled before your deductible restarts again next year.

Co-Pay – The amount of money your insurance company requires you to pay per visit, this is a fixed rate. At the end of the year, your co-pay rate may increase. You should plan to be seen before the end of the year to prevent added costs due to any potential increased rates.

Co-Insurance – A percentage of the amount of money the health insurance company will contribute toward your physical therapy sessions. For example, if your insurance plan has a coinsurance of 80%/20%, meaning they will cover 80% of your cost for therapy leaving you with a 20% financial responsibility.

Flexible Spending Account (FSA) Contributions – Did you know you can use your FSA dollars for physical therapy appointments? If you don’t use all your FSA by the end of the year, you’ll lose the dollars. If you have a Health Spending Account (HSA), now is the time to schedule treatment so your co-payment amounts can be applied to this year’s deductions.

Any Changes in Coverage / Establishing a New Plan – If you’re planning on having any changes to your insurance plan heading into the new year, there could be coverage changes, fee increases or reduction in services.

That makes now the perfect time to invest in your health with a visit to PRO Therapy. If you are struggling with pain, lack of mobility, or are nursing an injury that just will not heal, we want to help get to the root of the problem and get you on the road to recovery.

➡ Inquire About Cost and Availability

Why You Should Start Physical Therapy in the Fall

It is important to look at this information now because it is very rare that physical therapy is a “one and done” session. If you’ve been having months, or even years of pain, a full plan of care (or multiple visits) may be necessary to ensure improvements are solidified. This plan of care may last up to two to three months, meaning if you are attempting to maximize your utilization of insurance benefits, there’s no better time to start than now.

Sometimes, people wait for major injuries or surgeries to start physical therapy. But physical therapy can be most helpful if you have problems with pain, stiffness, motor skills, coordination, balance, or strength. In most cases, these are problems we tend to put off managing, because we might not see them as severe enough.

Unfortunately, they can lead to longer, more complicated issues in the future.

If you’ve been in pain or recently experienced an injury, don’t delay any longer – you can use your insurance benefits to maximum benefit.

➡ Read Now: Why Physical Therapy Is Your Ticket To A Pain-Free Life

Physical Therapy With PRO Therapy

At PRO Therapy you will always experience precise, caring, and one on one care from a Licensed Doctor of Physical Therapy – no tech aides, no rehab assistants, no personal trainers – to help you decrease pain by the time you walk out the door of your first session and create a plan to adhere to going forward.

If you want to make physical therapy a success, partnering with one of our Doctors of Physical Therapy is going to help you avoid future pain and resolve current pain.

We Love to Help People:

  • Keep Active – So you can run after your kids all day, take your grandchildren to the park with ease, enjoy a nice round of golf, run or walk anytime that suits you.
  • Stay Free From Painkillers – So you’re not always reaching in the cupboard for pills to ease the pain whenever it strikes, getting only a “quick fix” when you need a “permanent fix” – PLUS they’re no good for your long-term health, “mask” the pain and certainly don’t actually do anything to fix the problem.
  • Avoid Dangerous Injections/Surgery – We’ll help you get to the root cause of what’s going on – so you don’t have to get to the point of having to face injections or surgery.
  • Found Out What’s Wrong – We’ll help give you peace of mind and ensure that your problem is “corrected” and “healed” properly – also give you a set of exercises perfectly catered to you to help speed up recovery.
  • Get More Enjoyment Out Of Life – So you can enjoy quality time with family and friends that your daily aches and pains steal from you – also finally get a good night of sleep without constantly tossing and turning.

➡ Read Now: Why Our Physical Therapy Team Are Amazing (And What They Have Taught Me)

Are you ready to make physical therapy work for you? Give us a call! We offer complimentary phone and in-person consultations. We aim to meet our patients wherever they are in their journey and answer all questions we can to ensure a smooth experience at PRO Therapy. We want to help you make the best decision for you!

Dr. Kevin Spahr

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Johnnell L.
I love this place let’s start off with there communication the best when it comes to that and I feel comfortable with the environment I’m around. I feel like there getting the job done
Andrew K.
ashley M.
I’ve been dealing with plantar fasciitis for years and I thought there was no going back from the pain I felt all day everyday. Pro therapy has truly been a game-changer. From the very first visit, with Brooke she made me feel heard, supported, and hopeful. She took the time to explain my condition, tailored a treatment plan specifically for me and listen to the feed back from each visit to see what the next best thing was. Pro therapy staff been incredibly encouraging every step of the way.

The care I’ve received has been top-notch — professional, compassionate, and effective. I can already feel a huge difference in my pain levels and mobility. I genuinely look forward to my appointments because of how much relief I’ve gotten in just a handful of visits.

I Highly recommend pro therapy to anyone dealing with plantar fasciitis. They truly care about your recovery and go above and beyond to help you heal.
All in all, I am beyond satisfied with the care I’ve received with pro therapy
Greta H.
I was dealing with painful posterior tibial shin splints from running, and after just two StemWave sessions with Dr. Kevin Spahr, I noticed a significant reduction in pain. After the third session, I was running completely pain free! As a college athlete I've tried many recovery tools, but StemWave has been a game changer for me! The results were real, fast, and Dr. Kevin along with the the entire care team was knowledgeable, genuinely caring, and supportive! I would highly recommend StemWave for anyone struggling with inflammation or looking to speed up recovery! Being able to run without pain again was such a relief, and it truly meant the world to me!
Harrison E.
Started doing PT at PRO in April for some intense plantar fasciitis that I'd been experiencing for over a year and hadn't been able to remedy it on my own. Lily gave me a very effective Home Exercise Program to strengthen my arches & toes and did lots of great soft tissue / needle work in our weekly sessions. Two months later, my feet are feeling the strongest and most capable they've felt in a very long time and I can walk around & sleep without thinking about foot pain. I'd recommend PRO to anyone looking to deal with physical annoyances once and for all.
antonishia M.
Jennie is always pleasant and so helpful with any and all of my questions which makes me feel safe to come to her with anything. Dr. Kelvyn is my PT and he has been great to work with so far. Dr. Kelvyn listens to my goals and I’m excited for him to keep pushing me towards my goals of PT.
Karsten J.
I fractured 3 transverse spinal processes in November 2025 and had a C section baby 3 days later. I was in quite a bit of pain with very limited mobility, and about a month after the injury, started physical therapy to ensure I could heal well and run again. Dr. Lily helped me both heal and get my back moving again, as well as some pelvic floor exercises since even though I had a C section, I had pelvic floor pain after being pregnant. After a few months, we tapered off appointments and I have sucessfully been able to run, do yoga, lift weights, and return to normal daily life again with no pain! They were very conveniently located in NE Minneapolis near me, and had great scheduling availability. I'd go again!
Anne W.
Dr. Spahr and his team at PRO Therapy work together closely to provide state-of-the-art healing therapies that help people return to doing the activities they love best. The entire team, including the front office staff, exemplifies a model of care and professionalism that really stands out to me. I highly recommend PRO Therapy.
Andrew M.
Had a great experience, they helped me recover from a calf injury I sustained during training for a half marathon. The stretching, exercises, and therapy they provided me helped me get back on track and I was able to run my race! Would recommend to any athlete!
Michelle P.
Exactly what I was looking for in a PT office. I really wanted one-on-one care that included massage/cupping and other therapies. Lily was amazing and my posture has literally never been better. Can’t recommend enough!