One of the most frequent questions I get asked over the phone is how insurance coverage works with massage therapy.
Most insurance companies and employers have recognized the benefits of massage therapy and together have made a move to providing
more preventive care options. After all, it’s much more cost effective
to pay for massage treatment than pay for pain medication, lost time,
and even hospitalization. I would be willing to bet that happy and
relaxed employees with improved sleep patterns are also more productive
employees!
If you work for a company that offers health benefits, chances are
you will be covered for the cost (or a portion of the cost) of your
massage treatment by a Registered Massage Therapist. The coverage amount
will vary depending on what plan your employer has negotiated for you.
Most insurance companies will not allow health care professionals to
check this information on your behalf due to privacy concerns. The best
way to find out about your coverage is to speak with your employer
directly or contact your insurance company with your employee ID or
group number handy. Many companies have a website that you can log into
to view your coverage details and even submit claims.
Here are some important questions to ask when determining your coverage:
- Do I require a Doctor’s note in order to be reimbursed?
- What is my annual maximum?
- What is my maximum allowance per treatment?
- Is my Massage Therapist able to direct bill, or must I submit receipts myself?
- When will my coverage renew?
- If I reach my maximum am I able to use a health spending account to cover the additional costs?
- Will my therapist need to fill out any additional paperwork?
At this time our clinic is set up to direct bill for most
GreenShield, Blue Cross and Motor Vehicle Accident patients. If we are
unable to bill directly for you we will gladly provide you with the
necessary documentation to send to your company.
Visit http://www.bowmanvillemassage.com/#!rates|c15it and scroll to the bottom to download a checklist of questions to ask your employer or insurance company when determining your coverage!
Good info shared.
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