As the calendar moves toward its final months, now is the time to focus on one of the most valuable year-end tasks: using your health and wellness benefits before they expire. If you have insurance coverage for physiotherapy, chiropractic care, massage, or other health services, you may have benefit dollars still available. At LiveWell Health and Physiotherapy, we want to help you use your coverage, invest in your health, and finish the year feeling your best.
Why Using Your Benefits Matters
Most health insurance plans operate on a calendar-year basis, meaning your coverage resets on January 1. If you do not use your full benefits, those dollars disappear. The plan you pay for includes funds set aside for your health. Letting them go unused means losing out on services that can help you feel stronger, more mobile, and more balanced.
Using your benefits now can:
- Improve your physical health before new-year activities ramp up.
- Ensure you receive the full value of your insurance plan.
- Prevent small aches or injuries from turning into bigger issues.
- Save you out-of-pocket expenses later.
- Set you up for a healthier start to the new year.
Taking advantage of your remaining benefits is not only a smart financial decision but also an investment in long-term wellness.
Services Covered by Most Benefits
LiveWell Health and Physiotherapy offers a wide range of treatments that are commonly covered by extended health benefits. Now is the perfect time to book one or more of these services and make the most of your plan before December 31.
Physiotherapy
Physiotherapy helps restore mobility, reduce pain, and build strength after injuries or strains. Whether you have a chronic issue or simply want to improve flexibility and posture, physiotherapy can help. Addressing these issues before year-end allows you to start the new year stronger and pain-free.
Chiropractic Care
Chiropractic care focuses on the relationship between your spine and nervous system. If you sit for long hours, notice posture issues, or experience joint stiffness, a chiropractor can help realign your body and relieve discomfort. A few sessions now can prevent future pain and keep you functioning at your best.
Massage Therapy
Massage therapy relieves tension, improves circulation, and promotes relaxation. As the holidays approach and stress increases, massage is a simple way to relax your body and mind. Using your benefits for massage therapy is one of the most popular ways to wrap up the year on a healthy note.
Osteopathy
Osteopathy takes a holistic approach, looking at how your entire body works together. It can help with chronic pain, limited range of motion, and postural problems. Osteopathy can be especially beneficial if you have multiple areas of discomfort or recurring pain that have not been addressed.
Custom Orthotics
Your feet form the foundation for your body. Orthotics can correct gait issues, improve posture, and relieve joint or back pain. Many insurance plans cover a new pair each year, so if you have not yet used that benefit, now is your chance to do so.
Pilates and Personal Training
Pilates and personal training are excellent for improving core strength, posture, and balance. They help you move more efficiently and prevent injuries. Using your benefits to start a movement routine now ensures you head into the new year with positive momentum.
Pelvic Health Physiotherapy
Pelvic physiotherapy is an essential yet often overlooked part of overall wellness. It helps with bladder and bowel control, postpartum recovery, pelvic pain, and core stability. Addressing these issues early can improve long-term strength and function.
Naturopathic Medicine
Naturopathic doctors take a whole-person approach to healing by identifying and addressing root causes of illness. They combine natural therapies with modern science to create personalized care plans. Using your benefits for a naturopathic consultation can help you feel your best inside and out.
You can explore all services in more detail at livewellhealthandphysiotherapy.com/services.
Three Steps to Make the Most of Your Benefits
1. Check Your Remaining Balance
Contact your insurance provider or HR department to find out:
- How much coverage remains for each type of service
- Which services are eligible under your plan
- Whether your clinic offers direct billing
- When your coverage resets
This information allows you to plan your appointments efficiently and avoid last-minute surprises.
2. Prioritize Your Health Needs
Think about any discomfort or limitations you have ignored throughout the year. Ask yourself:
- Have I been delaying treatment for pain or stiffness?
- Are there small issues that could worsen without attention?
- Which services will help me most before the new year?
Your body deserves the same attention as your finances or career goals. Prioritize your health before benefits expire.
3. Book Early
December can be one of the busiest times for healthcare clinics. Booking now ensures you secure your preferred time and can complete any multi-visit treatments before coverage resets. A proactive approach also helps you avoid rushing during the holiday season.
Common Questions About Using BenefitsDo I lose my unused benefits?
In most cases, yes. Unused amounts typically do not carry over to the next year.
Will using my benefits affect next year’s coverage?
No. Your annual coverage will reset regardless of whether you use it or not.
What if I only have a small balance left?
Even a single visit can make a difference. A short session or consultation is still a valuable use of your benefits.
Should I save my coverage for emergencies?
It is better to use your benefits for preventive care rather than waiting for an injury or chronic issue to develop. Prevention almost always costs less than treatment.
How LiveWell Makes It Easy
At LiveWell Health and Physiotherapy Centres, we make the process of using your benefits simple and stress-free.
- We offer direct billing to most major insurance companies.
- We have multiple convenient locations across Waterloo, Baden, Lancaster, and Driftwood.
- Our interdisciplinary team works together to create personalized treatment plans that combine services like physiotherapy, massage, and chiropractic care.
- We focus on education and long-term results, helping you understand your body and maintain your progress beyond each appointment.
- Our clinics are modern, welcoming, and designed to make every visit comfortable and productive.
Our team will guide you through each step, from booking to billing, so you can focus on what matters most: your health.
Tips to Stretch Your Benefits Further
- Bundle appointments. Pair treatments such as physiotherapy and massage to address issues more effectively.
- Request a home exercise plan. Doing your exercises between sessions helps you maintain progress and stretch your benefit dollars.
- Ask about multi-service plans. Combining care across disciplines often accelerates recovery and maximizes value.
- Bring your insurance card. Let our staff help you confirm coverage and process claims on-site.
- Stay consistent. The more regular your visits, the faster and more lasting your results will be.
Start the New Year Strong
StUsing your benefits before year-end is more than a financial choice; it is a commitment to your wellbeing. When you take action now, you:
- End the year with less stress and more energy.
- Prevent chronic pain from carrying into the new year.
- Build healthy habits that last long after the holidays.
You deserve to enter 2026 feeling your best. Let LiveWell Health and Physiotherapy help you make that happen.
End the Year Feeling Your Best
Your health benefits are meant to be used. They exist to help you recover, maintain balance, and live pain-free. By acting now, you not only avoid wasting your benefits but also invest in a healthier and more confident version of yourself. Whether you need physiotherapy, chiropractic care, massage, or any of our other services, our team is ready to help you reach your goals.
Take this as your reminder: check your benefits, book your sessions, and make your health a priority before the year comes to a close.
LiveWell Health & Physiotherapy – Waterloo
4-570 University Ave E, Waterloo, ON N2K 4P2
(519) 880-1733
LiveWell Health & Physiotherapy – Baden
18 Snyder’s Rd W #5, Baden, ON N3A 4G8
(519) 634-9819
LiveWell Health & Physiotherapy – Driftwood
8C-450 Westheights Dr, Kitchener, ON N2N 2B9
(519) 570-4247
LiveWell Health & Physiotherapy – Lancaster
103-493 Lancaster St. W, Kitchener, ON N2K 1L8
(519) 579-6000