The administrative team explains the importance of updating your insurance every year.
The Importance of Updating Your Insurance Information Every New Year
A new year brings fresh starts, new goals and a reset for many insurance plans. If your health insurance runs on a calendar-year cycle, January marks the point when deductibles, out-of-pocket maximums, and visit limits reset. That’s why it’s especially important to provide your updated insurance information at the beginning of the year.
1. Deductibles Reset Every January
For most calendar-year plans, your deductible returns to $0 met on January 1st. This means you will once again be responsible for the full cost of covered services until your deductible is met. If you notice your cost-share increase at the start of the year, this is likely why. It’s part of the normal annual cycle. Once the deductible is met, you will likely have a copay, which is a set dollar amount per service, or a coinsurance, which is a percentage of services that you are responsible for.
2. Out-of-Pocket Maximums Restart Too
Just like your deductible, your out-of-pocket maximum also resets in January. Until you reach this maximum, you may experience higher costs for visits or treatments. Once the maximum is met, your plan typically covers 100% of approved services for the rest of the year.
3. Visit Limits Renew
Many insurance plans include visit limit maximums for certain therapies or treatments. These limits also renew at the start of the year. If you previously reached your max number of visits in 2025, you are likely to have access to a fresh set of eligible visits for 2026.
4. Update Your Insurance Information Early
Providing your insurance information at the beginning of the year helps us verify your benefits and submit claims accurately. This prevents delays, billing surprises, and interruptions in your care.
5. Put Services on Hold Last Year? Let’s Get You Back on the Schedule!
If you paused a service because you reached your visit limit or needed to wait for the new year, you will be eligible to resume care at the start of the year. Check in with our front desk to get back on the schedule. We’re happy to help you restart your routine!
