Journal · November 2026
Use your 2026 benefits before they reset
a natural approach to wellness
Most health plans start fresh on January 1. Here is how to check what you have left, make it go further, and book before the holiday rush.
If you have extended health benefits through work, part of your massage or acupuncture coverage may still be sitting unused. Most plans run on the calendar year, and in most plans whatever you don't use by December 31 does not carry over. A few minutes of checking now can turn that leftover coverage into the care you have been putting off.
Why December matters
Many group benefit plans reset on January 1, which means your yearly maximum for massage therapy or acupuncture starts over. Some plans follow a different year, such as your employer's fiscal year, so it is worth confirming your date.
December is also one of our busiest months. Evening and weekend appointments go first, so booking early gives you the best choice of times and practitioners.
Check what you have left in five minutes
- Open your insurer's app or member website and find the section for health practitioners or paramedical services.
- Find massage therapy, and acupuncture if you use it. Note your yearly maximum and how much you have already used.
- Look for a per visit limit. Some plans cap what they pay for each appointment, which helps you choose a session length.
- Check your coverage percentage, such as 80% or 100%, so you know what you will pay at your visit.
- Check whether you need a doctor's referral. Some plans ask for one before they cover massage therapy.
Example
How the numbers can work
Say your plan covers massage therapy at 100%, up to $500 a year, and you have used $280 so far. That leaves $220.
If your plan pays 80% instead, you would cover the other 20%, about $22 for each 60 minute visit. Every plan is different, so plug in your own numbers.
Make your coverage go further
- Book a short series. Two or three sessions a week or two apart can be easier to fit into what is left, and they give your body time between visits.
- Match the session to your plan. If your plan has a per visit limit, a 60 or 75 minute session may use your coverage best.
- Use a second plan. If you are also covered on a spouse's plan, you can often claim the rest of a visit there.
- Check your Health Spending Account. If you have one, it may cover massage too, and it has its own year end.
- Remember acupuncture. It often has its own separate maximum, so you may have two pots of coverage, not one.
the care you have been putting off may already be covered
What we can bill directly
- Massage with our Registered Massage Therapists: therapeutic, deep tissue, prenatal and postpartum, hot stone, cupping and manual lymphatic drainage. We direct bill most insurers, including Sun Life, GroupHEALTH, Johnston Group, Desjardins, GroupSource, Chambers Plan and First Canadian.
- Acupuncture with Dr. Jennifer Peck: direct billing to many insurers, including Alberta Blue Cross, Manulife, Sun Life, GreenShield, Desjardins and Telus AdjudiCare.
- Not eligible: energy work, intuitive guidance and sound sessions with practitioners who are not RMTs.
Learn more about direct billing at Soluna, see all prices, or read about acupuncture with Dr. Peck.
Your year end checklist
- Check your balance in your insurer's app
- Note any per visit limit or referral rule
- Book before evenings and weekends fill up
- Pick a gift card for anyone on your list without benefits
No benefits? Give the gift of calm
Not everyone on your list has a health plan. A Soluna digital gift card works for any massage, acupuncture or wellness session and arrives straight in their inbox. Buy a gift card.
We are closed on stat holidays. Online booking is open any time.
Questions
Benefits FAQ
When does my plan reset?
Many plans reset on January 1, but some follow a different plan year. Your insurer's app or plan booklet shows yours.
Do I need a doctor's referral?
Some plans require one for massage therapy. Check before your visit so your claim goes through smoothly.
Can I use my spouse's plan too?
Often, yes. If you are covered on two plans, the second plan may pay part of what the first one doesn't. Ask your insurer how coordination of benefits works for you.
Is acupuncture covered?
Many plans include acupuncture, often with its own separate maximum. Dr. Jennifer Peck direct bills many insurers, including Alberta Blue Cross, Manulife and Sun Life.
Before December 31
Book with your benefits
Online booking is open any time. Evenings and weekends fill first in December.
Explore
Recent Comments