It’s common for patients to run up against limits on treatments that are capped in number by their health plan. Often, this occurs for treatments like physical therapy, chiropractic and speech therapy. But there are actions you can take to ensure you get the necessary care.

The best thing to do is ask questions early and often about how much care you can get and what it is going to cost you, both before and after you’ve hit your limits, said Shawn Stack, a policy director at the Healthcare Financial Management Association.

“Physical therapy is one of the more common services that employers or insurance plans limit for consumers,” Stack said. “Many insurances and some Medicaid and Medicare Advantage plans cap physical therapy visits at usually around 20 visits per year.”

Even though thes

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