Do Not Let Your Health Benefits Go to Waste
If your extended health benefits reset at the start of the new year, unused annual coverage may not carry forward. A sore shoulder, persistent knee pain or a lingering sports injury can be a reason to seek an assessment now. At The Physio Studio in Whitby, we help you understand your treatment options and use eligible coverage for the care you need.
Why Benefits Expire at Year End
Many extended health plans have annual limits for services such as physiotherapy and registered massage therapy. Those limits renew at the end of the plan's benefit year, which may follow the calendar year or a different schedule. Check your policy for its reset date, service limits and any referral requirements.
What You Can Use Your Benefits For
Your physiotherapist will recommend treatment based on your assessment. Insurance coverage and billing eligibility should be checked before your appointment.
Physiotherapy
Assessment and treatment for pain, injuries, mobility concerns and post-surgical recovery.
Registered Massage Therapy
Hands-on treatment for sports injuries and post-surgical rehabilitation, working alongside the rest of your care plan. Check your plan's registered massage therapy allowance.
Athletic Therapy
An active, movement-first approach that combines strengthening, muscle activation, muscle imbalance correction, mobility, plyometrics and agility training, including return-to-play programs for athletes. Fascial Stretch Therapy (FST) is also available. Coverage varies by plan, so confirm eligibility and any provider requirements before booking.
Helpful information
How to Check What You Have Left
Check your insurer's member portal or app, contact the number on your benefits card, or ask your HR department. Look for your remaining balance, reset date, per-visit limits and eligible provider types. Bring your benefits information to your appointment so our front desk team can help with direct-billing questions.
We Direct Bill So You Do Not Have To
We offer direct billing to many major insurance providers, which means no claim paperwork for you to complete for successfully processed direct-billed claims and generally little to no upfront cost, depending on your personal benefits. Any amount not covered by your insurer remains your responsibility.
A Smart Way to Start the New Year, Too
If your benefits have already renewed, you can begin with a fresh annual allowance, subject to your plan's rules. Whether you are starting treatment or continuing care, we will help you plan the next steps around your symptoms and goals.
Book Ahead Before Your Benefits Reset
Booking ahead gives you more choice of appointment times and space to follow a treatment plan, rather than trying to fit everything in at the end of your benefit year. Your clinician will recommend visits based on your needs, not simply on the amount of coverage remaining.
Book Before the Year Ends
Request an appointment online or call 905-665-1999. Confirm your remaining benefits and reset date before booking.