[imjared]

To be honest, I'm not working with my favorite PT. The benefits, in my mind, come from: 1. something is better than nothing 2. the sense of mindfulness. it seems that a lot of PT is getting the right exercises to do for whatever ails you. as a runner, I generally know what I need to work on but my PT has helped refine my list of things. By getting a shorter, focused list, I can think of my PT almost like a coach rather than trying to come up with my own workout plans.

In terms of insurance, I have a pretty standard high-deductible health plan and an HSA. I pay out of my HSA (and more recently out of pocket, since depleting the HSA) up to my deductible.

I want to run my marathon in the fall and I think of it so far like paying $X to be able to make it to that start line. I've told myself that I'm willing to do what it takes in terms of finances, training, and general suffering to make sure I can toe the start line.