01/15/2026
PLAYING THE INSURANCE DEDUCTIBLE GAME: WHY THE BEGINNING OF 2026 IS THE BEST TIME FOR VEIN TREATMENT
Considering vein treatment? Now might be the best time — and it’s all because of your insurance.
Now that we’ve entered a new year, you may have heard people talking about scheduling needed procedures to “get the most” out of their insurance.
There’s a simple reason for this: insurance deductibles. These tend to reset at the beginning of the year, so if you want to potentially save on medical treatment later in the year, now may be the perfect time to take care of those pesky varicose veins.
In this article, we’ll explain why this is the case, how it works, and what you should do to hit your deductible while taking the first step in solving your varicose vein issues.
How Insurance Deductibles Work
Most health insurance plans reset on January 1st. This reset includes your annual deductible — i.e., the amount that you have to pay out-of-pocket before insurance begins covering a larger portion of your care.
For example, if your deductible is $3,000, you are responsible for the first $3,000 of covered medical expenses each year. Once you reach that deductible, however, insurance may cover 70%, 80%, or even 100% of additional eligible care, depending on your plan.
Many plans also have an out-of-pocket maximum, after which insurance covers eligible services entirely for the rest of the year.
Given this structure, scheduling procedures early in the year can directly impact how much you end up spending later on.
Why You Should Schedule Your Treatment ASAP
There are a few benefits to getting this treatment done early in the year — and they extend beyond being able to show off your legs in the summer.
By scheduling your vein treatment at the beginning of the year, you can reach your deductible more quickly. This makes it easier and cheaper to schedule additional services later in the year, or be prepared in case of potential medical emergencies.
Not only that, but if you wait too long, you can risk having your treatment roll over into the next year. This means wasting both time and money, as you go an entire year without reaching your deductible and, thus, paying for your medical expenses out-of-pocket.
Will Insurance Cover My Vein Treatment?
Some believe that insurance does not, or will not, cover their vein treatment. While many may begin their journey toward varicose vein treatment with cosmetic improvement in mind, there are many non-cosmetic reasons to get your varicose veins treated — reasons that could be covered by your insurance.
Insurance frequently covers treatment when symptoms such as leg pain, swelling, heaviness, fatigue, skin discoloration, or venous reflux confirmed by ultrasound are present.
That said, insurance approval often requires documentation and imaging. This is another reason why beginning the process early in the year is a good idea, as it allows time for proper evaluation and authorization.
At The Vein Clinic, we’ve helped countless patients get their treatment covered by insurance. We can assess what treatments would be best for you, then work with both you and your insurer to improve your chances of having your vein treatment covered.
Are There Any Other Reasons Why I Should Book Vein Treatment Right Now?
While the lead-up to the holiday season is among the busiest for vein treatment, vein clinics are still well-occupied through the rest of winter.
Many patients use this time to address health concerns they postponed during the holidays, or simply to take advantage of newly reset insurance benefits. As a result, appointment availability can fill up quickly.
By getting in contact as soon as possible, you can take the first step to not only reaching your deductible, but getting rid of those unsightly and uncomfortable varicose veins.
Conclusion
Your varicose veins aren’t going to resolve on their own. In fact, delaying care may worsen the problem and lead to more issues in the long-term.
By taking care of the problem early in 2026, you not only make the most of your health insurance — you begin a journey toward a healthier, more confident you.
If cost concerns have kept you from seeking treatment, the start of a new insurance year may be the ideal time to explore your options and take the first step toward comfort. Get in touch with us today to make your appointment at 906-273-1821.
