As the end of the year approaches, now is the perfect time to review your health and therapy benefits. Many insurance plans operate on a “use it or lose it” basis, meaning any unused coverage disappears once the plan resets.
By scheduling your remaining sessions now, you can ensure you receive the full value of your benefits before they expire.
At Marvel Myo & Speech, we know that navigating insurance can be confusing. That’s why our Insurance and Billing Team handles all verifications, paperwork, and follow-ups for you, so you can focus on your therapy, not the red tape.
What “Use It or Lose It” Means for You
Most medical and therapy plans include annual visit limits, reimbursement caps, or coverage maximums that reset each calendar year. Once the year ends, any remaining sessions or unused coverage are forfeited.
For example:
- If your plan includes 20 therapy visits per year and you’ve only used 12, the remaining 8 visits do not roll over.
- Some plans provide a set annual reimbursement amount—if you don’t use it before the new year, it’s gone.
- Out-of-network patients must also submit claims before December 31, as most insurance companies have strict submission deadlines.
By planning ahead and scheduling early, you can maximize your benefits and avoid losing valuable coverage.
Accepted Medical Insurances
Marvel Myo & Speech proudly accepts the following in-network medical insurance plans:
- Medicare
- Blue Cross Blue Shield
(including BlueChoice PPO, Blue Essentials, HealthSelect of Texas, Blue High Performance Network, Blue Advantage HMO, Blue Premier, Blue Cross Medicare, and Advantage PPO) - Aetna (Texas only)
For all other insurance carriers, we are out-of-network but will gladly provide a superbill to help you submit claims for potential reimbursement.
Our Insurance and Billing Team is here to help every step of the way—verifying your benefits, submitting paperwork, and following up to ensure prompt claim processing.Payment for services is due at the time of each visit. We accept major credit cards, cash, and HSA/FSA payments. Best of all, no pre-authorization is required after your initial evaluation, so you can begin therapy without delay.
Sliding Scale Payment Option for Online Myofunctional Therapy
We understand that affordability matters, especially for online therapy options.
That’s why Marvel Myo & Speech proudly offers a Sliding Scale Payment Option for online Myofunctional Therapy, based on your income level:
Annual Income | Discount |
Less than $30,000 | 50% off |
$30,000 – $50,000 | 40% off |
$50,000 – $75,000 | 30% off |
Above $75,000 | 20% off |
Evaluation Rate: $450
Session Rate: $85 per session
If you’re interested in applying for our sliding scale option, please contact our team for eligibility and application details. We’re committed to making care accessible for everyone.
How to Maximize Your Benefits Before the Year Ends
Follow these steps to ensure you’re getting the most from your insurance plan before December 31:
- Review your coverage.
Contact your insurance company or our billing team to confirm how many therapy visits or benefits remain. - Schedule your sessions early.
Appointments fill up quickly during the holiday season. Be sure to book now to secure your preferred times. - Submit your claims promptly.
For out-of-network benefits, timely claim submission helps avoid denials. - Use your FSA or HSA funds.
These tax-free accounts can often be used for therapy sessions but may expire at year-end. - Plan ahead for ongoing care.
If your therapy plan includes multiple stages, completing visits before year-end helps maximize your current coverage. - Consult our Insurance and Billing Team.
We’ll verify benefits, explain your plan, and track your claims for you.
Example Year-End Benefits Timeline
Month | Recommended Action |
October | Review your coverage, check remaining visits, and schedule appointments. |
November | Continue therapy and submit interim claims to stay current. |
December (early) | Finalize your remaining visits and ensure all billing paperwork is complete. |
December (late) | Confirm with our Insurance and Billing Team that all claims have been submitted and processed. |
Frequently Asked Questions
- What does “Use It or Lose It” mean for therapy visits?
It means that if you don’t use your allotted therapy sessions or benefits before the plan year ends, they expire and don’t carry over into the new year. - Which insurances does Marvel Myo & Speech accept?
We are in-network with Medicare, Blue Cross Blue Shield (most plans), and Aetna (Texas only). We are out-of-network with other insurers but will provide superbills for reimbursement. - Do I need pre-authorization before starting therapy?
No. Once your evaluation is complete, you can begin therapy immediately—no pre-authorization required. - What happens if I don’t use my sessions before year-end?
Any unused sessions or benefit amounts typically expire, meaning you lose coverage you’ve already paid for. - Can I use my FSA or HSA to pay for therapy?
Yes. Many therapy services qualify under FSA and HSA accounts, which usually must be used by year’s end. - Does Marvel Myo & Speech offer financial assistance?
Yes! We offer a Sliding Scale Payment Option for online Myofunctional Therapy—ranging from 20% to 50% off depending on income level. - Who can I contact for insurance or payment questions?
Our Insurance and Billing Team is available to verify benefits, handle communications, and guide you through every step of the billing and reimbursement process.
Take Advantage of Your Benefits Before They Expire
You’ve invested in your insurance, make sure you get the most from it. Don’t wait until the end of December when schedules fill up and claim deadlines approach.
Contact Marvel Myo & Speech today to review your benefits, schedule remaining sessions, or inquire about our sliding scale online therapy options.
Together, we’ll make sure your coverage and your care work for you before the year ends.
