Don't Lose Your FSA/HSA Funds: Invest in Your Health
As the end of the year approaches, many of us are busy with holiday planning and wrapping up projects. In the midst of this rush, it’s easy to overlook an important financial tool that could expire: your Flexible Spending Account (FSA) or Health Savings Account (HSA) funds. If you have money set aside in these accounts, now is the perfect time to invest it in your long-term health and well-being.
Physical therapy is a qualified medical expense that is eligible for both FSA and HSA funds. Instead of letting your hard-earned, pre-tax dollars go to waste, you can use them to address nagging pain, recover from an injury, prep for an upcoming surgery or improve your overall mobility. At Curnyn PT, we’re here to help you make the most of your benefits and start the new year feeling stronger and more capable.
Understanding Your FSA and HSA Benefits
Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) are tax-advantaged accounts that allow you to set aside money for healthcare expenses. While they function similarly, there's a key difference when it comes to deadlines.
FSA (Flexible Spending Account): These funds typically operate on a "use it or lose it" basis. This means that any money left in your account at the end of the plan year (usually December 31st) is forfeited. Some employers may offer a short grace period or allow a small rollover amount, but it’s crucial to check your specific plan details.
HSA (Health Savings Account): These funds roll over year after year, so there’s no immediate pressure to spend them. However, using them for proactive care like physical therapy is still a smart way to invest in your health without touching your regular budget.
Physical therapy is a powerful and cost-effective way to use these funds. It’s not just about treating an injury; it’s about investing in a higher quality of life without breaking the bank. Seeing a physical therapist first can help address issues like chronic back pain, a stiff shoulder, or preparing for a more active lifestyle, all while minimizing the need for expensive specialist visits or treatments down the line. Our team is here to help you take proactive steps toward better health and long-term savings.
Why You Shouldn't Wait to Schedule an Appointment
With the end of the year just around the corner, appointment slots fill up quickly. Many people are trying to use their remaining insurance benefits and FSA funds, creating a high demand for services. Scheduling your evaluation now ensures you can get in before the deadline passes.
Waiting to address pain often leads to bigger problems. A minor ache can develop into a chronic condition, and a small strain can lead to a more significant compensatory injury as your body tries to protect the painful area. By seeking care now, you can address the root cause of your discomfort and prevent it from derailing your plans for the new year.
Our comprehensive evaluations go beyond a quick look at your symptoms. We take the time to understand your history, lifestyle, and goals. Through a detailed movement analysis and hands-on assessment, we identify the mechanical issues contributing to your pain. This allows us to create a personalized therapeutic movement plan designed to restore function and provide lasting relief.
How Physical Therapy at Curnyn PT Can Help
At Curnyn PT, we believe in a comprehensive approach to care that empowers you to take control of your health. We don’t just treat symptoms; we work with you to build strength, improve mobility, and give you the tools to prevent future issues. Your FSA/HSA funds can cover a wide range of our services.
Here are just a few ways we can help you invest in your well-being:
Address Chronic Pain: If you’ve been living with persistent neck, back, or joint pain, we can help identify the cause and develop a plan to manage it effectively.
Recover from Injury: Whether it's a recent sports injury or an old one that never quite healed, our manual therapy techniques can restore proper movement and function.
Prepare for Surgery (Pre-hab): If you have a surgery scheduled, starting physical therapy beforehand can lead to a faster, smoother recovery.
Improve Balance and Prevent Falls: As we age, maintaining good balance is essential for staying independent and active. We can design a program to improve your stability and confidence.
Our team of therapists in Fort Worth has extensive post-graduate training in manual skills, ensuring you receive expert, hands-on care. We work together to make sure our patients get the outstanding results we are known for. Y'all deserve to move without pain, and we are here to help you achieve that.
Take the First Step Before the Year Ends
Don't let your FSA dollars disappear. You set that money aside to prioritize your health, and now is the time to use it. An investment in physical therapy is an investment in your future—one that pays dividends in the form of pain-free movement, improved function, and a better quality of life.
Check your FSA/HSA balance today and give us a call. We will help you understand your benefits and schedule an evaluation before our end-of-year appointments are completely booked. Let us help you start the new year feeling your best.
Ready to put your health first? Schedule your appointment with Curnyn PT today and make the most of your healthcare funds!