Cupping done to female along long back scar

Asking For A Friend…Does Insurance Cover Massage?

Help, I am addicted to massage for relaxing, but I also need a massage to relieve pain and aches caused by my job and life in general.  What can I do to find some assistance with the cost?  In this blog, we will touch on how to get your massage covered by health insurance, workman’s comp, car accident or medical savings account.  I have several clients that get reimbursed for their massages up to 50%, so this makes it worth a look to see if you qualify for this new lease on life.

The quickest way to find out if you are covered by your insurance is to call the customer service number on the back of your insurance card and ask.  What you should ask is if your insurance covers massage therapy by a licensed massage therapist?  If, yes then how many times a year?  You will also need to see if you can file a claim to get reimbursed for the massage service.   Most major insurances do cover massage therapy but you have to ask to find out about this part of your insurance.  “As a rule of thumb, the types of insurances that may pay for massage are Major Medical PPO (Blue Cross, Aetna, Humana, etc.), Auto Mobile Insurance (PIP), and Workman’s Comp. A few providers that usually don’t pay for massage therapy services are HMO’s, Medicare and Medicaid. “  Will my insurance cover massage therapy   

Cool, I have insurance coverage now what?  There is massage therapist that do file insurance for the client but they will be Medical massage therapist and usually require a prescription from a doctor.   Any massage therapist can give you a receipt with a detailed description of the services they provided with their license number and signature.  This can be used to file with your insurance also to get the reimbursement or used to turn into your medical savings account to be reimbursed.  Depending on the insurance you will need to choose a massage therapist that will work for you.  Insurance will usually pay for more sessions if you have a prescription from your doctor as to what area needs to be worked, how many times and for how long. 

Massage Therapy does usually have a deductible and a limited amount of times it will be covered.  Remember workman’s comp and car accidents are on an individual basis and will need to be discussed with the adjuster for your case.   These will also usually have a cap on how long and how much they will cover. 

So next time you want to get a massage to help with that back, neck or leg pain remember it just might be covered by insurance meaning you can afford to get rid of that pain and not kill the budget.