Why Most Families Don’t Use Their Full Insurance Coverage (And How You Can Fix That)

Introduction: If You’re Not Using It, You’re Losing It

Every year, millions of Canadian families miss out on hundreds — even thousands — of dollars in available healthcare benefits.

The sad part?
Most don’t even realize it until it’s too late.

From unused massage therapy to forgotten dental credits and overlooked mental health sessions, insurance plans quietly reset every December 31st, and your unused funds disappear.

In this article, I’ll break down why families fail to maximize their coverage, and how you can take back control — starting now.

❌ Reason #1: “I Didn’t Know What I Had”

The most common reason families don’t use their benefits?

They simply don’t understand them.

Your plan booklet is probably sitting in a drawer. And even if you read it, the fine print is confusing.

• What’s covered?
• How much?
• Can my spouse or kids use it too?

💡 Solution:
Use insurance.rmtclinic.online to instantly decode your plan with Ruby — your smart para-medical assistant.

❌ Reason #2: “We Didn’t Have Time”

Between school drop-offs, work meetings, and weekend sports, families put preventive healthcare last on the list — until something hurts.

Most insurance plans include:

• Massage Therapy (to reduce stress, pain, and muscle tension)
• Chiropractic (for posture, injury prevention, spinal alignment)
• Physiotherapy (for mobility, post-op rehab, and youth sports recovery)

💡 Solution:
Book 1 visit per family member each quarter. You don’t need a reason — staying well is a reason enough.

✅ Find time-friendly clinics near you at RMTClinic.net

❌ Reason #3: “I Thought We Already Used It”

Here’s what happens:

• One spouse uses up physiotherapy
• The other assumes massage is gone too
• The kids don’t get anything

Most plans have individual or pooled maximums, and many services are separate — meaning you probably still have money left!

💡 Solution:
Log in to your insurer’s member portal (Sun Life, Manulife, Canada Life, etc.)
Then use Ruby’s calculator to check what’s left.

❌ Reason #4: “It’s Too Complicated to Claim”

If you’re not using a direct billing clinic, the claim process can be tedious:

• Print receipts
• Scan forms
• Log into confusing portals
• Wait weeks to be reimbursed

💡 Solution:
✅ Book with a clinic that direct bills your insurer
✅ Filter by “Direct Billing Available” at RMTClinic.net

You’ll pay less out of pocket, and paperwork disappears.

❌ Reason #5: “We’ll Just Use It Next Year”

This is the biggest myth.

Unused benefits do NOT roll over.

When the clock strikes midnight on December 31st, your balance resets to zero.

That means you’re giving up:

• $500+ in massage
• $600 in chiropractic
• $800 in physio
• $1000+ in child or mental health services

💡 Solution:

Start now. Not in December.

Clinics get booked solid in the final 4 weeks of the year.

📣 Use Your Family Benefits — or Lose Them

Before the year ends:

• ✅ Check your plan
• ✅ Schedule visits for each family member
• ✅ Choose clinics with direct billing
• ✅ Use Ruby to guide you through it all

🔗 RMTClinic.net → Find a family-friendly clinic
🔗 Ask Ruby what’s covered → insurance.rmtclinic.online