The start of a new year often brings fresh goals, new routines—and important updates to your health insurance benefits. If you or your family receive therapy services, understanding new year insurance changes early can help you avoid surprises and make the most of your coverage.

At Intercare Therapy, we believe access to care should feel clear, supportive, and stress-free. Here’s what you need to know about your health insurance benefits in the new year and how they may impact your therapy services.

Why Health Insurance Benefits Change Each Year

Most health insurance plans reset or update benefits on January 1. Even if you keep the same insurance provider, your plan details may change year to year. Common updates include:

• New deductibles and out-of-pocket maximums

• Changes in copayments or coinsurance

• Updated coverage rules for therapy services

• Provider network changes

Reviewing your plan at the start of the year helps you plan ahead and avoid unexpected costs.

Common New-Year Insurance Changes to Watch For

While every insurance plan is unique, these are some of the most common health insurance changes families experience at the beginning of the year:

1. Deductibles Reset

Many insurance plans require members to meet an annual deductible before coverage begins. On January 1, deductibles typically reset, which may result in higher out-of-pocket costs early in the year until the deductible is met.

2. Copays and Coinsurance May Change

Your cost per therapy session—or the percentage you’re responsible for—may increase or decrease based on updates to your specific insurance plan.

3. Therapy Coverage Adjustments

Insurance plans may modify how therapy services are covered, including:

• Visit limits

• Prior authorization requirements

• Covered service types

Understanding these changes can help prevent delays or interruptions in care.

4. Provider Network Updates

Insurance companies sometimes update their provider networks. Confirming that Intercare Therapy remains in-network for your plan can help you avoid unexpected expenses and ensure continuity of care.

How Intercare Therapy Supports You with Insurance

Navigating health insurance can feel overwhelming, especially at the start of a new year—but you don’t have to do it alone. The Intercare Therapy team is here to:

• Verify your health insurance benefits

• Explain how your coverage applies to therapy services

• Identify any changes that may affect your care

• Answer questions about authorizations and coverage requirements

Our goal is to ensure insurance questions never stand in the way of meaningful progress.

The New Year Is a Great Time to Revisit Your Care Goals

The beginning of the year is also the perfect opportunity to reflect on treatment goals, routines, and progress. Whether you’re continuing therapy services or considering additional support, understanding your updated insurance benefits allows you to plan with confidence and clarity.

If you have questions about your health insurance coverage or would like help reviewing your new benefits, reach out to Intercare Therapy. We’re here to help you start the year informed, supported, and ready to move forward.