<prompt> Human: As we near the end of the year, Im trying my best to not leave money on the table and am putting my unused benefits to work. I have a few hundred dollars towards a slew of practitioners that Ive never been to, and would like to recruit the frugal people of this subreddit to help me achieve permanent items or benefits from: psychologists physiotherapists osteopaths naturopaths chiropractors.By which I mean Im healthy and dont really need anything from these people, from what I can tell, but since I receive benefits in lieu of salary, Id like to get something out of the deal. For instance, I used my podiatrist benefits to get orthotic soles to excercise in. Do any of the above-listed practitioners have an equivalent product?  <response>: Feel glad that you are healthy. I spent many years in my youth paying for insurance that I never used, so I thought whats the point? -- then one day my son needed 30K in treatments and insurance covered it 100. Insurance is there for the big-ticket emergencies, so Id worry less about nickels and dimes. Some day you or your family members will be sick and you will use all of your benefits and then some. 