Massage Therapy And Hsas
If you have a health savings account , you may be able to use those funds to pay for massage therapy. To count as a qualified expense, the massage therapy must be deemed as medically necessary. Generally, a letter from your doctor will suffice to prove such services as a medical necessity.
Although Medicare currently doesnt cover most massage therapy services, that could change as its role evolves as an accepted medical treatment.
The good news is that even if your Medicare Advantage plan doesnt offer massage therapy benefits, you may still be able to get affordable treatment. If you have a local massage school nearby, you may get massage therapy at a steep discount. Many massage therapy practices also offer membership options that lower the cost of individual sessions.
If you do have massage therapy benefits with your Medicare coverage, be sure that you fully understand the specific benefits available to you before you book a massage. That way, youll avoid any unpleasant surprises at billing time.
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General Liability Insurance For Massage And Bodywork Businesses
Clients might accuse your employees of causing property damage and personal injuries. Your business might be pulled into the mess. If this happens, this massage and bodywork liability insurance sees to it that you dont use personal funds to pay for legal fees and settlements. The minimum amount you can get from general liability is $1 million.
What If I Have Medicare Advantage
While original Medicare doesnt cover massage therapy, some Medicare Advantage plans may.
Medicare Advantage plans are private insurance plans. Theyre approved by Medicare, and they cover everything original Medicare does. However, these plans often extend coverage to other areas of treatment, including vision and dental care.
As of 2019, therapeutic massage is covered as a supplemental benefit under some Medicare Advantage plans. According to CMS, about 270 Medicare Advantage plans offer massage coverage, covering nearly 1.5 million enrollees.
For Medicare Advantage to cover massage therapy, youll need to:
Your Medicare Advantage plan may not cover 100 percent of the costs of your massage therapy. You may still owe a copayment or deductible.
Whats more, Medicare Advantage plans with these additional areas of coverage often cost more than more limited plans. However, those higher plan costs may be offset by the costs they cover for additional benefits.
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Does Tricare Do A Breast Lift
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- 21 Does TRICARE cover massage therapy?
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How Much Does Massage Therapy Coverage Cost
Like all benefits, the more coverage a policy offers, the more its likely to cost. The cost will vary by insurer.
Signing up for health insurance through an employer can save you money. Thats because the employer will often pay part of the cost of the premium for you. It may also offer health insurance plans with more benefits, like massage therapy.
If the massage is considered rehabilitative or is medically necessary, then insurance will not cost you more. It may fall under the coverage of the Affordable Care Acts 10 essential health benefits.
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What To Do If Your Insurance Doesnt Cover Massage Therapy
If your insurance doesnt cover massage therapy, dont fret. There are a couple of other options you can use to help pay for treatment.
If you dont have one already, you can set up a Health Savings Account 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.
Its 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 doctors 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.
Explain Why You Want Massage Therapy
To get a note from your doctor, you will need to be able to explain why you think you need massage therapy. Let him or her know what it is that is ailing you and suggest massage therapy as a potential treatment. Because of massage therapy’s success in managing pain, your doctor may prescribe sessions for you as an alternative to painkillers, which are highly addictive. The
American Massage Therapy Association lists 25 reasons why someone may want or need massage therapy:
- Improve balance in older adults
- Help chronic neck pain
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Experiencing A Car Accident
Being in a car accident is life-changing. They could potentially turn your life upside down and inside out. The impact of a car accident can go on for months or even years after the accident. This can lead to a lot of unwanted pain that prevents you from doing the things that make life enjoyable.
We know that not all car accidents are the same. But we do know that they are scary and can make you hesitant to get into cars. Everyone handles car accidents differently. This makes each car accident unique. We make sure that each person has a treatment that is unique to their accident.
What Does Massage Insurance Cover
Massage insurance includes a large list of different coverage options the two most common being general liability and professional liability. General liability is in place to protect you against losses that may arise from bodily injury to a client, or property damage as a result of an accident. Professional liability coverage protects you from the effects of a lawsuit if you end up being sued for malpractice.
While these two types of coverage are the most common in a massage insurance policy, some other important coverage options include:
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Professional Liability Insurance For Massage Therapists
As a massage therapist, you might commit mistakes at work and cause economic or financial loss for the clients. Also, clients might accuse you of committing negligent acts. If any of the two happen, youll have to pay for legal fees and reimburse the aggrieved party for their losses.
Professional liability insurance is the massage therapy insurance coverage, which sees to it that you dont use personal money in such an incident. This one kicks in if youre being held liable for negligence, violation of good faith, inaccurate advice, and other acts that constitute errors or omissions.
How Do You Make An Insurance Claim
State laws and individual insurance plan policies control whether massage therapists can bill for their services. Massage therapists should fully understand the scope of practice in their state to make sure they are billing health insurance only for services within the state scope of practice law. As mentioned above, it is critical that you ensure that massage therapy services, provided by a state licensed massage therapist, is a covered benefit in your client’s insurance plan.
Health insurance claims are legal documents, so massage therapists must collect and retain information supporting their requests for payments. Typically, a claim file must have documentation to confirm that the service was providedat a minimum. Insurance companies also usually require a doctors order for a service before they will pay a claim, so make sure you are familiar with the requirements of the insurance companies they work with.
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What Are Important Things Massage Therapists Should Know Before Considering Insurance Reimbursement
Lets take a look at some of the positive and negative aspects of accepting insurance that may help you consider whether to accept insurance. On the positive side, insurance coverage may make getting a massage more accessible and it may also make it more affordable for the client, both of which can increase traffic through your office. Accepting insurance may also make it possible to offer massage services to a population that may not otherwise be able to afford your services.
On the flip side, however, things like the time it takes to complete paperwork and getting a pre-authorization, , may challenge an already busy massage therapist. A prescription is typically required for treatment and reimbursement schedules may be lower than a cash payment depending upon the type of insurance.
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What Is Massage Therapy
The Mayo Clinic defines massage therapy as a complementary treatment that involves manipulating the bodys soft tissues. Massage therapy, in order to be classified as a medical treatment, must provided by licensed and certified massage professionals.
Clinical studies show that massage therapy can help treat pain, reduce stress, and relieve muscle tension. In 2018, the Centers for Medicare and Medicaid Services issued guidelines that must be met for the use of massage therapy to be deemed as a medically approved alternative to opioid therapy. Therapeutic massage can also be used to help reduce cancer-related pain, fibromyalgia symptoms, and stress-related symptoms of heart disease.
How Can You Get Your Massage Therapy Covered By Your Insurance
Although theres no guarantee that your insurance company will cover it, theres something you can do to increase your chances of getting coverage.
Your doctor has to prescribe or recommend the massage therapy for it to be covered by your insurance. Your medical health professional like a primary care physician or chiropractor must issue a prescription to prove that massage therapy is a medical necessity.
A prescription is different from a referral, which is only an order from the doctor that allows you to see a specialist. A prescription includes important information, such as the diagnosis codes, number of visits, and the start/end date of the treatment.
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Its Also Your Responsibility To Protect Your Patients
You owe your patients the surety that comes with covering your employees. They deserve protection, and liability insurance is a form of that. But more so, its a pact made with your patients that you value them and their protection.
Youre covering a massage therapist because you trust them and want to ensure that patients, the practice, and your employees are taken care of if something should happen.
In the same vein, when you hire a new employee to work for your practice a chiropractor, massage therapist, receptionist, and beyond youre taking responsibility for their actions.
Ask yourself an important question are you prepared to deal with the unlikely circumstances and repercussions to your practice, your patients, and your career without liability insurance?
As much as we wish we could, we cannot control the actions of others. Employing someone means that youre responsible for their actions. That intersection works best when you, your practice, and your massage therapists are covered by liability insurance.
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Oct 21, 2021 · Therapy and other mental health services are optional Medicaid benefits, which means Medicaidcoverstherapy in some states, but may not cover it in others. Medicaid benefits can be lumped into two separate categories: Mandatory benefits that are federally required of each state Medicaid program to provide Optional benefits, which are left up ….
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The Reason Why There Is So Much Ambiguity Accepting Insurance For Massage
There is one main reason that clients and therapists alike experience.
Such headaches when dealing with insurance, being covered, ability to accept insurance, being reimbursed, etc.
This reason is the current classification of massage therapy in the broader set of medical services.
Massage therapy falls under a treatment category known as Alternative or Complementary Medicine.
It is not defined under the Affordable Healthcare Act as essential benefits.
Thus insurance companies not required to cover it.
Also, insurance companies tend to not cover massage therapy as it is not under strict regulation and cant be completely verified as legitimate.
There is hope that this will change so clients who need massage therapy coverage.
And LMTs who wish to accept insurance wont have to go through a nightmare of paperwork and bureaucracy to receive or provide treatment.
Many practitioners and business owners are definitely on a quest to get Medicare to pay for massage therapy.
Time will tell whether patients can get massage therapy as part of their government insurance plans.
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Cohesive Liability Coverage Empowers Employees
But massage therapy liability insurance coverage isnt all specifically for the benefit of you, your practice, and your patients. Its also a crucial piece of the puzzle for employees, like a massage therapist who works for you. Massage therapists can invest in their own professional liability insurance, but that doesnt mean that you cant offer them coverage under your policy.
When you offer a massage therapist who works in your office the peace of mind that comes with liability protection, youre offering them the chance to do their jobs better. In other words, if theyre not constantly concerned about what might happen should a claim roll in , theyll be far more empowered to do their jobs well.
While massage therapy liability insurance in your chiropractic office might cost more than a previous plan, its a far more powerful investment. Youre protecting the professional massage therapist and encouraging them to perform to their best ability, worry-free about the unlikely possibility of a claim.
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For Massage Through Insurance Have A Prescription Or Referral
Get a prescription or written referral for massage therapy from your doctor, chiropractor or other medical professional licensed by the State of Washington to diagnose physical ailments. Your prescription must be on file before your treatment begins. Your provider can fax a copy of your prescription to us directly at our secure fax, 412-6274.
If you do not provide us with a valid prescription at your first visit, you may be responsible for the entire cost of the visit if your insurance carrier does not pay us.
Some insurance policies do not require a prescription. However, in order to bill your insurance company, we must have a diagnosis code, which is on the prescription/referral.
Number of massages prescribed and duration
Provider name and physical or electronic signature
Contact Matrix Spa And Massage Today
Whether you are interested in general massage or massage for medical or sports-related issues, Matrix Spa and Massage in Salt Lake City will work with you and your insurance company. At Matrix Spa and Massage we offer professional massage, therapeutic body treatments, facial treatments, and spa packages. Matrix Spa and Massage is located near downtown Salt Lake City, UT across from the well-known Trolley Square. Contact us today to schedule an appointment in our steam room or via our one-of-a-kind meditation cave. Make sure to ask about our current specials when you contact us!
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Why Do I Need Massage Insurance
There are many reasons why a professional in this industry should invest in Massage Therapy Insurance. This coverage brings a lot of financial benefits and protections, a well as peace-of-mind. If you are legally obligated to pay money to another party as a result of a professional liability claim, you will be covered by this policy. Without this coverage, the costs will have to be paid for out-of-pocket, which could bring financial harm to your business.
Without this insurance, your business could suffer from other type of loss besides financial losses, that you will have to find a solution for on your own, such as criminal negligence lawsuits or acts of slander or libel against your services, which could cause reputational damage. With this policy, your insurance company will help you take care of the situation, including some of the associated costs.