Introduction: Don’t Let Your Insurance Dollars Expire at Midnight
Imagine this: You’ve been paying into your benefits plan all year long… But on December 31st at 11:59 PM, everything you haven’t used? Gone.
- No rollovers.
- No refunds.
- No grace period.
This happens to thousands of Canadians every year — and it doesn’t have to be you. If your plan includes Registered Massage Therapy (RMT), you could be leaving $300, $600, or even $1000 on the table.
In this article, I’ll show you why booking right now could be the smartest health — and financial — move you make all year.
📆 When Do RMT Benefits Expire?
For most major Canadian insurance providers — including Sun Life, Manulife, Greenshield, Desjardins, and Canada Life — your coverage resets on December 31st.
That means:
- ✅ Any unused coverage is erased
- 🚫 You cannot claim it later
- 🧾 You start fresh on January 1st
💰 How Much Are You About to Lose?
Let’s break down what most plans include for massage therapy:
| Insurance Provider | Typical RMT Coverage | Time Left to Use It |
| Sun Life | $500–$1,200/year | Until Dec 31 |
| Manulife | $300–$750/year | Until Dec 31 |
| Greenshield | $400–$900/year | Until Dec 31 |
| Canada Life | $500–$1,000/year | Until Dec 31 |
If you haven’t booked yet, you’re leaving up to $600 or more unused. Multiply that across family members and… wow.
🔥 Clinics Are Filling Up Fast
December is the busiest month of the year for massage clinics — and for good reason:
- Everyone rushes to use up their benefits
- Holiday stress and cold weather increase demand
- RMTs often take time off during the holidays
💡 Translation:
- Appointments are booking out 2–3 weeks in advance.
- If you don’t reserve now, you may not get in at all before the deadline.
🧾 How to Check What You Still Have Left
- Log into your insurer’s member portal
- Look under “Extended Health Benefits” → Massage Therapy
- Find your remaining balance and usage details
- Confirm if a doctor’s note or referral is needed (for some plans)
💬 Need help? Ask Ruby, your digital assistant at insurance.rmtclinic.net
📍 How to Book Smart and Fast
✅ Go to RMTClinic.net
✅ Filter by your postal code and “Direct Billing Available”
✅ Choose a clinic near you
✅ Book your appointment online or call directly
Many clinics support:
- Same-week booking
- Direct billing to your insurer (no paperwork)
- Online reminders so you don’t forget
🧠 Pro Tip: Book Now, Claim This Year — Even If the Appointment Is in January
Some plans allow you to:
- Pre-pay before Dec 31
- And use the appointment in early January
This lets you squeeze one last claim into 2024. Ask your clinic if they offer this option.
📣 Call to Action: Your Coverage Is Already Paid — Use It
You’ve earned it. You’ve paid for it. Now it’s time to use it.
✅ Find a Registered Massage Therapist near you → RMTClinic.net
✅ Check what your insurance covers → insurance.rmtclinic.net
✅ Book before it’s too late → RMTClinic.net/insurance
Your future self will thank you for not letting that $600+ slip away.
