Below is a list of the best Does insurance cover massage therapy voted by readers and compiled and edited by our team, let’s find out
You might think that spas are just a way for people to relax and treat themselves on special occasions. However, according to the American Massage Therapy Association, 62% of people received a massage for health and medical reasons and 44% for pain relief and management.
With such a high percentage of people using massage to tackle serious problems, you may be wondering if there is a form of massage therapy covered by insurance. The answer is complicated. It all depends on who your insurer is and what type of policy you have.
For a breakdown on what types of medical conditions massage therapy can help treat and how to find out if your insurance covers it, keep on reading.
Massage Therapy Benefits
The history of the massage dates back to the second century BCE in China. Massage therapy helps heal injuries—including muscle sprains, strains, and tears. It also works to alleviate the pain that comes with tight muscles.
After sitting hunched over at a desk working all day at, many of us have knots in our necks and lower backs. A massage loosens the muscles and increases blood flow in the body, formerly reduced by the muscle’s contraction.
More recently, studies found that massage therapy could help those suffering from diseases like Parkinson’s and dementia. While massages have treated chronic illnesses in the past, this is a major advancement in the medical world and speaks to the healing powers of physical touch.
Many people also get massages for mental benefits, as they’re known to decrease stress and anxiety. In turn, this benefits other aspects of the body, like reducing cortisol levels and quieting the mind.
The call for including this practice in health insurance plans exists because it can treat a wide array of problems. After learning about all that massage can do, perhaps you’ve realized there are other issues you could use it for that you didn’t consider before.
Forms of Massage Therapy Covered by Insurance
The easiest and most effective way to learn if your insurance covers massage therapy is to give them a call. A representative can tell you if they do.
There are a few different types of health care providers who use massage techniques in their work, such as physical and occupational therapists. There are times when your insurance will cover a visit with these specialists, but not with a massage therapist. Additionally, some insurance companies will only cover a massage for a specific duration of time.
These specifications are why it is crucial to talk about coverage with your insurer before booking an appointment. You don’t want to go into an hour-long massage thinking that it isn’t going to cost you much, only to walk out and realize your insurance only covered a quarter of your session.
Because there are insurers who will only cover massage therapy with a doctor’s note, you may want to speak with yours during your next visit. It’s probably best to talk to them beforehand anyway, to get advice about what kind of specialist you should see for your health problem.
How Much Does Massage Therapy Cost With Insurance?
The cost of your massage therapy also depends on your insurance coverage. When you contact your insurance agency, ask them about deductibles and reimbursements. You can then figure out how much of your session’s cost they’ll cover and, therefore, how much you’ll have to pay yourself.
Sometimes insurers will only cover massage therapy if you upgrade your plan, which means you’ll have to spend more on your premium. Before doing so, consider what is more financially beneficial, getting extra coverage or paying out of pocket for massage therapy.
What to Do if Your Insurance Doesn’t Cover Massage Therapy
If your insurance doesn’t cover massage therapy, don’t fret. There are a couple of other options you can use to help pay for treatment.
If you don’t have one already, you can set up a Health Savings Account (HSA) either by yourself or through your employer. It allows you to set money aside for medical expenses without the government taxing you for it.
Your employer might also have a Flexible Spending Account open in your name. It allows them to contribute to the account if they choose, but you can also set aside non-taxable money here.
It’s not the same as an HSA account because you have to use your FSA money by the end of the year. The HSA money rolls over, allowing you to save up a considerable amount over time. However, you must pay for a high deductible insurance plan to have an HSA, something you want to consider before opening one.
According to both the FSA and the HSA store website, patients who received a doctor’s recommendation to attend massage therapy need to obtain a Letter of Medical Necessity before going. This letter provides proof a doctor diagnosed you and states why massage therapy is a beneficial treatment for your condition.
Additionally, look on coupon websites or see if your massage therapy place has a membership program. That way, you can receive discounts on your treatments.
They might also have deals during the quiet times of the year to entice customers to visit them. Keep an eye out for those out too.
Get Some Relief and Book Your Appointment Today
Now that you know the ins-and-outs of how to get your massage therapy covered by insurance, the next step in the process would be to research spas in your area.
If you live near Omaha, Nebraska, call (402) 384-8400 to book an appointment at Faces. Our trained professionals will work to alleviate your pain and tension. Enjoy a massage and you’ll start feeling better in no time.