Will my health insurance policy cover massage therapy?
Simple question, right?
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Some health insurance policies cover massage and some don't. Some cover massage only if it's performed at a Physician's office. Automobile accident survivors are dealing with autoinsurance, which has a different set of rules than health insurance. The different types of insurance policies, types of insurance cases and state laws combine to make the answer a not-so-simple one...
Will Essential Massage help you figure out the answer?
…Absolutely!
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Many types of Insurance exist, such as:
1) Worker's Compensation Insurance
2) Automobile Insurance
3) Liability Insurance
4) Group Health Insurance.
While Essential Massage does not accept the first 3 types of insurance, we will work with you determine if and in what way your Group Health Insurance will or will not cover your massage therapy treatment. |
How We're Going to Figure Out the Answer !
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Preapproval : When a new client comes to Essential Massage for insurance reimbursed work, the first step is to make sure the client has a doctor's Letter of Referral indicating massage as a “medical necessity”, and a prescription.
The Physician's Referral or prescription must include the following information:
• Diagnosis codes
• Frequency of Treatments
• Total Number of Treatments
• Name and UPIN# (Doctor's ID #)
• State That Massage Therapy is Medically Necessary.
Client Insurance Information: Along with the Referral letter and prescription, the client will provide the following information:
• Patient's Name
• Date of Birth
• Social Security Number
• Address and Phone Numbers
• Date of Injury
• Patient's Employer
• Insurance Company's Name, Address & Telephone Number
• Policy Number and Name of Insured Party
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Once Essential Massage has received the latter, we will (with your permission) contact your insurance company and ask for preapproval along with your insurance company's coverage guidelines.
If your Health Insurance Company does authorize preapproval, you will then complete a Financial Responsibility Form prior to your first massage therapy session, indicating that the you will be responsible for paying fees that your health insurance company will not reimburse.
Professional arrangements:
The client pays Essential Massage the time of service, and the client then submits the therapist's bill to the insurance company for reimbursement.
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| If you think a lot of paperwork is involved in the process of Health Insurance Claim Form Filing, you are correct! In many cases, it does deter clients from seeking health insurance claims coverage at all! It can be worth it though. With a little “legwork” (excuse the pun) you may find that your health insurance premiums aren't for naught and that you'll actually be rewarded by receiving the care you require at a nominal expense. |
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Yes, Essential Massage is a Participating Complimentary and Alternative Medicine Health Practitioner with American WholeHealth Networks !
Program Highlights:
• There are no co-payments or claim forms to file.
• Practitioners extend the agreed upon discount from the usual billed charges to members.
• Members pay cash for services minus the agreed upon discount*.
You May Already Be A Member!
Most members are identified by an American WholeHealth Networks Logo on the back of the Member Benefit ID card. If you don't see the logo and you're Health Insurance Company is listed below, you still may be a member. It's worth it to visit your Health Insurance Company's web site or to call them directly to find out.
Just mention your AWHN participation when you call Essential Massage and bring your Member Benefit ID card with you to your massage session and you will receive 10% off your one-hour session fee!
Humana |
Touchstone |
Compass Rose Benefits Group |
CareFirst BlueCross BlueShield |
USA Plus |
Vista |
Careington International |
HIP of NY |
Carolina Health Care |
Principal Financial Group |
AvMed Health Plans |
CDPHP |
Microsoft |
New Benefits (Not Great Benefit) |
AARP |
LifeGuard |
My Health My Way |
Best Benefits |
Bestrom International |
WellCare |
Blue Cross and Blue Shield of: Vermont, Mass, North Carolina, Tennessee,
Delaware, Rhode Island, and Wisconsin |
*(EM has agreed to extend all AWHN participants a 10% discount off One-hour sessions.)
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As always, Essential Massage continues to provide much needed
safe, ethical, therapeutic and compassionate care.
Massage therapy has provided ways for individuals to cope, and thrive through chronic pain and we will work with you to make that possible in your life.
Call Suzanne Gilbert, LMT to schedule your session
and/or to discuss your treatment options.
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