Use It Before You Lose It: Maximize PT Benefits Before Your Deductible Resets
on Thursday, October 30, 2025
As the year winds down, many patients in Portland and Happy Valley don’t realize they may be leaving valuable health benefits on the table. If you’ve been putting off physical therapy, now is the time to act. Most insurance plans reset deductibles and out-of-pocket maximums on January 1, meaning unused benefits disappear. At Renew Physical Therapy, we encourage patients to maximize their coverage before the reset so they can keep making progress without unnecessary delays.
This blog explains how insurance coverage works, why fall is the best time to schedule, and how to make sure you don’t miss out on the care you need.
How Insurance Coverage Works for PT
Deductibles and Out-of-Pocket Maximums
Every year, patients pay a certain amount (the deductible) before insurance covers more of their care. If you’ve already met your deductible through other medical expenses this year, your out-of-pocket cost for PT could be much lower — or even zero.
Coverage for Medically Necessary Care
Most insurance plans cover physical therapy when prescribed after surgery, injury, or for chronic conditions. If your doctor has recommended PT but you’ve delayed, you may already qualify for sessions under your current plan.
Why Fall Is the Best Time to Schedule
Deductibles Reset in January
Once the new year begins, your deductible resets, and you’ll start paying out of pocket again until it’s met. Scheduling now ensures you maximize what you’ve already invested.
Flexible Scheduling Before the Holiday Rush
Many patients wait until November or December to book, which can make clinic schedules busier. Starting in October gives you more flexibility.
Momentum for Recovery
Physical therapy isn’t just about today’s pain — it’s about long-term mobility and function. Continuing care now helps you enter the new year stronger, avoiding setbacks.
Common Misconceptions About PT Coverage
Many patients hesitate to book because of myths about insurance coverage. Here are a few we hear most often:
- “I’m out of visits.” Some plans reset visit counts at the end of the year, while others allow additional visits if medically necessary.
- “PT isn’t covered after surgery.” In reality, post-surgical PT is one of the most commonly covered services.
- “I’ll wait until I’m stronger.” Delaying therapy often makes recovery slower — and can increase costs when your deductible resets.
If you’re unsure about your coverage, our team can help you navigate your benefits.
How Physical Therapy Helps You Finish the Year Strong
At Renew Physical Therapy, we design care plans that fit your recovery timeline and insurance coverage.
For Post-Surgical Patients
Scar tissue management, mobility work, and gait training keep you on track long after the incision heals.
For Injury Recovery
Targeted strengthening and balance training help you regain stability before icy sidewalks increase your fall risk.
For Chronic Pain
Consistent therapy reduces flare-ups and improves quality of life, making holiday activities more enjoyable.
Steps to Maximize Your Benefits
1. Review Your Plan
Check your insurance portal or call your provider to see how much of your deductible you’ve met.
2. Schedule Now
The earlier you book, the more sessions you can complete before the year ends. Use our contact page to secure your spot.
3. Stay Consistent
Even a few extra weeks of therapy can make a significant difference in your recovery.
Patient Stories: Making the Most of Benefits
Many of our patients in Portland and Happy Valley have successfully maximized their year-end coverage. You can read their experiences on our testimonials page. Their stories highlight how timely therapy helped them heal faster while avoiding extra costs in the new year.
Don’t Let Benefits Expire Unused
You’ve already invested in your health by paying into your insurance plan. Don’t let those benefits disappear unused. At Renew Physical Therapy, we’re here to help you take advantage of every session you’re entitled to before deductibles reset.
Schedule your appointment today through our contact page and finish the year stronger, healthier, and ready for what’s ahead.
