Introduction
Every year, many people either forget to use their extended health insurance or don’t realize how to make the most of it. If your benefits include massage therapy (RMT), acupuncture, and chiropractic care, you might be wondering how to divide those wisely throughout the year. In this post, we’ll show you how to plan and balance your treatments to get the best results—for your health and your wallet.
1. Know What You're Covered For
Start by reviewing your insurance plan. Most extended health plans in Ontario cover a set amount per service per year—for example:
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Massage Therapy (RMT): $500–$1,000/year
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Acupuncture: $300–$500/year
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Chiropractic Care: $300–$1,000/year
Check if you need a doctor’s referral (some plans require it for acupuncture or chiro), and see if your benefits renew by calendar year (January–December) or policy year.
2. Don’t Wait Until December
One of the most common mistakes is saving all your benefits for the end of the year—and then either running out of time or struggling to find appointments during the busy holiday season. Instead, plan ahead.
Try this approach:
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Book RMT once or twice a month for maintenance or injury recovery
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Schedule acupuncture regularly for stress, sleep, digestion, or pain
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Add chiropractic care if you're dealing with posture issues, spinal misalignment, or chronic discomfort
By spreading out your sessions, you avoid the year-end rush and actually give your body time to heal and respond to treatment.
3. Mix and Match Based on Your Needs
Everyone’s body is different, and the best care comes from combining services that support each other. For example:
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Got back or neck pain? Combine chiropractic with RMT for faster results.
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Feeling stressed, anxious, or dealing with headaches? Try a mix of acupuncture and massage therapy.
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Have poor posture or work at a desk all day? Alternate between chiropractic adjustments and acupuncture to improve alignment and reduce tension.
At AHC Wellness Clinic, our team can work together to build a treatment plan that blends RMT, acupuncture, and chiropractic care in a way that makes sense for you—and your insurance coverage.
4. Reassess Every Few Months
Your needs change throughout the year. Maybe in the winter you need more help with immunity or stress, and in the summer you’re recovering from sports or travel fatigue. Revisit your treatment goals every 3–4 months and adjust your appointments accordingly.
We’re happy to help you check how much insurance you have left and recommend a schedule to make the most of it.
5. Use It, Don’t Lose It!
Remember: unused benefits usually don’t roll over to the next year. If you’re not using them, you’re losing them.
Taking care of your health regularly not only prevents bigger issues down the road, it also helps you get the most value out of the coverage you already pay for.
Need Help Planning Your Year?
Come talk to us at AHC Wellness Clinic! We're located at 2318 Dunwin Dr, #11, Mississauga and offer direct billing for most insurance providers. We’ll help you create a custom care plan using your benefits wisely—and feeling your best all year round.
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