Tips to Maximize Your Health Insurance Benefits Before 2025 Ends

Are you making the most of your health insurance this year? It’s not too late to make sure you take advantage of all the benefits your insurance offers. 

Maximizing your health insurance isn’t just about taking care of your medical needs, it’s also about making the most of your investment. Here are a few simple tips for maximizing your health benefits before your insurance renews in 2026.

1 - Don’t Forget About Group Benefits

Benefluent Advisory reports that around 85% of employers in Canada provide their employees with health and dental benefits. Despite this, so many people overlook their group benefits and fail to utilize it to its fullest potential. They only try to use it on predictable expenses like dental check-ups or prescriptions. 

While there may be only a few expenses you truly need, group benefits can usually cover even more than what you seek out. It’s a good idea to take advantage of other areas of coverage to make the most of your plan. For example, many plans will cover medical supplies like blood pressure monitors and orthopedic shoes, which can be useful regardless of your health needs.  

Read the details of your group plan carefully to see if there’s more coverage you didn’t know about and can take advantage of. 

2 - Coordinate Benefits with Your Spouse

Many households have dual insurance coverage (coordination of benefits). Dual insurance coverage is when two plans cover you at once. If you live with a partner or spouse, it’s very likely that you are both under dual insurance plans. 

Whether each of you has separate group benefits or one of you is covered by an individual plan, both typically provide coverage for the primary plan member and their spouse. In which case, you can take advantage of both plans to ensure you have full coverage. 

For example, let’s say your plan provides a set allowance for prescription eyeglasses and contacts. You use the entire allowance on your eyeglasses, which means you don’t have enough coverage to purchase contact lenses without paying out-of-pocket. 

This is where your spouse’s insurance would kick in. You can use the allowance provided to you under your spouse’s plan to cover your contact lenses, preventing you from having to pay anything out-of-pocket. 

3 - Choose Service Providers Based on How Coverage Works

Depending on your plan, the service provider you choose to work with can help you make the most of your health insurance and pay off your premiums. Let’s break it down…

If your insurance covers services based on a percentage reimbursement (ex. 80% of the fee), working with a higher-cost provider can sometimes help you get more value out of your coverage—especially if you're trying to use up your annual coverage before it resets.

Let’s say your plan covers 80% of massage therapy costs, up to $600 per year.

• Massage Therapist A charges $80 per session

• Insurance covers 80% of $80 = $64 per session

• You’ll get about 9 full sessions covered before you hit the $600 limit

• You’ll pay $16 out-of-pocket per session = $144 total

• Massage Therapist B charges $120 per session

• Insurance covers 80% of $120 = $96 per session

• You’ll get 6 full sessions covered before reaching the $600 limit

• You’ll pay $24 out-of-pocket per session = $144 total

In this case, paying slightly more per session can be worth it. You're still spending the same amount out-of-pocket overall, but your insurance provider is covering more than they would with a cheaper provider — and in the process — you’re getting higher-value treatments.

On the other hand, if your insurance provides coverage via allowance, working with a low-cost provider helps you get significantly more out of your coverage overall. 

Let’s say you are looking for a DBT therapist with an allowance of $700 from your insurance provider. 

• Therapist A charges $175 per session

• By choosing Therapist A, you will have 4 sessions covered before needing to pay out of pocket.

• Therapist B charges $110 per session

• By choosing Therapist B, you will have 7 sessions covered before needing to pay out of pocket (with an 8th session being partially covered). 

It may not seem like a big difference on paper, but once you actually break it down, it’s clear that the therapist charging $110 per session is the best choice for your type of coverage.

Is your Health Insurance Meeting your Needs? 

If you are constantly getting claims denied or reaching the limits of your coverage, you don’t have the right insurance package. 

We provide comprehensive insurance solutions, including health, dental, life, disability, and mortgage insurance. Whatever your needs are, we can find something that protects you, your family, and your investment every step of the way.