Important 2026 Insurance Update: What Patients Need to Know About Deductibles & Copays
Understanding Your Insurance Benefits for 2026
A Message from TheraMove & Diagnostics LLC
As we begin a new year, we want to help our patients understand an important change that happens with most insurance plans.
Insurance benefits reset on January 1, which can affect deductibles, copays, and coinsurance—even if your care and insurance plan remain the same.
This update applies to patients with Medicare, Medicare Advantage, and Commercial insurance plans.
What Does a “Benefit Reset” Mean?
At the start of each calendar year:
Annual deductibles restart
Copays or coinsurance amounts may change
Out-of-pocket maximums reset
As a result, patients may notice higher out-of-pocket costs early in the year.
Medicare (Original Medicare – Part B)
For patients with Original Medicare:
Medicare Part B has an annual deductible that resets each year
For 2026, the Medicare Part B deductible is $283
After the deductible is met, Medicare typically pays 80% of the approved amount
Patients are responsible for the remaining 20% coinsurance
If you have secondary insurance, that plan may cover some or all of the 20% coinsurance depending on coverage. Secondary insurance payment is not guaranteed, and patients remain responsible for any unpaid balance.
Medicare Advantage (Part C) Plans
Medicare Advantage plans are offered by private insurance companies and may include:
Per-visit copays
Coinsurance percentages
Annual deductibles
Prior authorization requirements
Coverage and costs vary by plan, so it’s important to review your specific benefits.
Commercial Insurance Plans
Commercial insurance plans may include:
Annual deductibles
Copays per visit
Coinsurance percentages
Even if you paid very little at the end of last year, benefits and deductibles may reset on January 1, 2026.
How TheraMove & Diagnostics Supports You
Insurance benefits are verified as a courtesy
Estimated patient responsibility is communicated clearly
Our team is available to answer questions
Insurance verification is not a guarantee of payment. Final responsibility is determined after claims are processed.
Contact Us
TheraMove & Diagnostics LLC
📞 Phone: 410-823-6683
📧 Email: [email protected]
📍 Location: Towson, MD
