Insurance Coverage for Massage
Currently in Michigan you can take advantage of insurance to cover the cost of some or all of your sessions in one of two ways:
- Accounts to cover non-reimbursed medical expenses: Flexible Spending Arrangement (FSA), Health Savings Account (HSA), Medical Savings Account (MSA), Health Reimbursement Arrangement (HRA)
- Automobile Insurance if you’ve been in an accident and a doctor prescribes massage
FSA / HSA / MSA / HRA
These accounts allow you to use pre-tax dollars to pay for “qualified medical expenses” that your health insurance does not cover. This will effectively reduce the cost of your sessions because you won’t be taxed on the money you use to pay for your massage!
“Therapy received as medical treatment” is a qualified medical expense. This includes massage therapy, but you might need a doctor’s prescription in order for whoever manages your account to approve of the expense. Check with your employer or whoever manages your account to find out what they will want to see before approving your massage expense. I am able to provide receipts and statements, if needed.
If you’ve been in an auto accident and automobile insurance is paying the costs associated with the accident, this insurance will also cover massage therapy (or myofascial release or craniosacral therapy) if a doctor gives you a prescription. If you have an open claim with an automobile insurance company and you want them to pay for your massage, obtain a doctor’s prescription and provide me with the pertinent claim information. I will confirm coverage with the insurance company and bill them directly.
Insurance companies will not pre-authorize any medical care. Their willingness to pay is based on their determination that the expense is medically necessary. Usually, a doctor’s prescription is sufficient evidence of this, but at times an insurance company will disagree with a doctor’s determination. (My clients who have difficulty with their insurance companies typically hire attorneys to help them when this happens.) I will do everything I can to ensure that your sessions are covered by insurance; however, you are ultimately responsible for the costs of your session. If you have questions about this, please don’t hesitate to contact me.
If you have recently been in an accident, I suggest you see a doctor before signing off on an automobile insurance claim. Whiplash, a common post-accident injury, often doesn’t manifest for weeks after an accident. It would be a shame for you to sign off on the claim and then discover your neck has been injured. Massage therapy is an effective treatment for whiplash, and more affordable if your insurance company is covering it.