Is Your Plan Going to Waste? How to Use Your Massage & Health Benefits
Introduction: Use It or Lose It – The Truth About Your Insurance Plan Expiry
If you’re like most Canadians with private health insurance, there’s one thing you need to hear loud and clear:
Your benefits reset soon — and unused coverage is lost forever.
Every year, tens of thousands of dollars in Registered Massage Therapy (RMT), Chiropractic, and Physiotherapy coverage go unclaimed. Why? Because people either forget, delay, or assume they have more time.
This blog will show you how to take action now — before your plan resets and your dollars disappear.
✅ When Do Most Insurance Plans Reset?
The majority of extended health plans in Canada — including Sun Life, Manulife, Canada Life, Desjardins, and Greenshield — reset every December 31st.
That means your coverage:
- Does not roll over
- Is not refunded
- Will be gone for good if unused
👉 Even if you only used 2 out of your 5 included massage visits — the remaining balance vanishes when the clock hits midnight on New Year’s Eve.
📊 How Much Are You Leaving Behind?
Let’s do the math:
| Service | Typical Annual Coverage | Unused = Lost |
| Massage Therapy | $500 | You could lose $300–$500 |
| Chiropractic | $300–$600 | You could lose up to 4 visits |
| Physiotherapy | $400–$1000 | You could lose weeks of recovery |
In total, Canadians with group plans are leaving hundreds to thousands in unused wellness dollars every single year.
🔁 Plan Ahead: Don’t Wait Until December
Massage clinics book fast in December — especially for patients trying to use up their remaining coverage. In fact, most clinics are fully booked 3–4 weeks out by mid-November.
Book your appointments now and schedule them ahead — even if your pain isn’t urgent. Use your benefits for:
- Stress relief massages
- Injury prevention
- Postural and mobility tune-ups
- Pre-holiday wellness resets
💡 Pro Tip: Double Up Your Claims
Here’s a strategy most people don’t consider:
Book appointments in October and December — and again in January right after your plan resets.
This way, you maximize this year’s remaining balance and start strong with your new allotment.
📍 Don’t Know What You’re Covered For? Do This:
- Log into your insurer portal (Sun Life, Manulife, etc.)
- Look for “Extended Health Benefits” or “Paramedical Services”
- Check your remaining balance for each service
- Read the fine print for visit limits or doctor’s note requirements
- Go to 👉 RMTClinic.net to find a verified, insurance-covered provider
🧾 What If You Can’t Get an Appointment in Time?
If your preferred clinic is fully booked:
- Try neighboring clinics via RMTClinic.net → Find a location
- Ask to be put on a cancellation waitlist
- Use your benefits for another covered service like chiro, physio, or acupuncture
- Book a service for your spouse or child if your plan allows family sharing
💬 Not sure? Ask Ruby, our smart benefits assistant: insurance.rmtclinic.online
🔄 Using Your Plan Is an Investment in Yourself
Your plan isn’t just a perk — it’s part of your compensation package. It’s your right. It’s meant to help you feel better, move better, and live with less pain.
If you don’t use it, your insurer keeps the money — and you lose both the health benefit and the financial value.
Make a commitment to your health today.
📣 Call to Action: Time Is Running Out
✅ Find a therapist near you → RMTClinic.net
✅ Check your insurance options now → insurance.rmtclinic.online
✅ Book your massage before the December rush
