Open Enrollment – Don’t miss your chance to find a plan that fits your life

Seeing a physical therapist—in person or via telehealth—has never been more accessible. Most insurance policies include options for physical therapy, and thanks to direct access, you can often see a PT without a physician’s referral to address aches, pains, or mobility issues. telehealth.hhs.gov+1

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Nestled in our serene residential setting, Cedar Hill Physical Therapy is a small husband-and-wife practice designed for unhurried, one-on-one care. With Open Enrollment underway, this is the ideal time to confirm that your plan supports the care you prefer.

Key dates (Marketplace/Open Enrollment)

• November 1, 2025: Open Enrollment begins. You can enroll in, renew, or change Marketplace plans. Coverage can start January 1, 2026. CMS
• December 15, 2025: Last day to enroll or change plans for Jan 1 coverage. HealthCare.gov
• January 15, 2026: Open Enrollment ends in HealthCare.gov states. After this date, you generally need a Special Enrollment Period to change plans. HealthCare.gov
• February 1, 2026: Coverage starts for those who enrolled Dec 16–Jan 15 and paid their first premium. HealthCare.gov

Will my plan cover physical therapy?

Under the Affordable Care Act, all new individual and small-group plans must cover essential health benefits, which include rehabilitative and habilitative services and devices (the category that encompasses physical therapy). Exactly how much is covered (visit limits, copays, deductibles) varies by state and by plan, so compare details before you enroll. CMS+2HealthCare.gov+2

Telehealth: what to know

Many plans include telehealth options for PT. Medicare’s expanded telehealth flexibility currently runs through September 30, 2025; policies after that date may change unless Congress extends them, and commercial plan rules can differ. Check your insurer’s benefits and talk with us about what’s possible for your situation. telehealth.hhs.gov+1

Direct access to PT (no referral in most cases)

In North Carolina, where we practice, direct access is recognized by the state board. That means you can usually start with us first, and we’ll coordinate with your physician when needed. APTA+1

Questions?

If you’re comparing plans and want to be sure your coverage aligns with your goals—hands-on care in a calming setting, with telehealth when appropriate—we’re here to help. Have questions about how Cedar Hill manages your benefits? Drop a note to Angie, and we’ll make it easy to get the care you need in the year ahead.