Will my insurance pay for a massage chair?
It can be a little bit complicated to get your insurance company to pay for your new massage chair. However, it is possible to get a part of your massage chair's full cost covered under specific insurance plans. How? Let's find it out!
Understanding the Insurance Plans
It goes without saying, the health insurance industry has become increasingly stringent on what they will and will not cover.
Medical equipment needs to be:
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Durable, reasonable, and essential for every other patient.
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It shouldn't be inappropriate for domestic usage.
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It must serve a medical purpose.
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It needs to withstand repeated use.
-
It should primarily take care of any physical injuries.
Although massage chairs are therapeutic, they are not always used for medical purposes unless prescribed by a medical professional. Besides, they are not vitally important to perform everyday life activities and are most frequently used for pain management and post-injury recovery.
Most insurance companies will require a prescription letter from a healthcare expert. The letter must specify how your health may be at risk if a massage chair is not in use. Two conditions often required to get your massage chair covered by insurance are hip replacement and joint dislocation. However, every insurance company has different plans and often offers some flexibility. You need to establish how your insurance company is going to cover your massage chair. Attention should be paid to the allowable clause in your contract with the company.
Choosing the Correct Massage Chair Insurance Policy
Various insurance plans can cover your massage chair and its expenses:
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General Liability Insurance: This policy covers you from incidents of ‘’trips and falls.’’ If any harm comes to the massage chair, such as tipping over or power surges, your general liability insurance plan should cover the cost.
-
Business Personal Property Insurance: If your massage chair is stolen or lost, this insurance policy would cover the entire cost. Additionally, your insured belongings would be covered in the event of income loss, user injuries, fire damage, and more.
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Product Liability Insurance: Many people with massage chairs in their homes have product liability insurance. It doesn’t entirely cover your massage chair, but it does include specific parts used in providing a massage. If there is any mechanical damage or malfunction in the massage chair, your insurance plan would save you the hassle and repair bills.
A health insurance plan may also cover the cost of a massage chair if certain conditions are met.
Read Through the Insurance Plan
Clearly, you need to read through the insurance policy before approving the plan. Ensure it has a clause covering medical massage. Read through the insurance plan carefully to guarantee that it allows you to cover the expenses of your massage chair, as the stringency of the health insurance market in determining coverage can be a significant hurdle, or the prescription by your physician would be for nothing.
Research Properly
If massage isn’t a recognized treatment for your ailment, your doctor won’t recommend chair massage therapies in the first place. Do your research to ensure therapeutic massage is an option to treat your ongoing health issues. For instance, in some cases, it may be necessary to provide them with proof, like reports stating massage chair benefits. Consult a healthcare expert and discuss any symptoms you’re experiencing along with the treatment options you can try. Individuals suffering from chronic back pain may find massage chairs particularly beneficial and should discuss this with their healthcare provider.
Massage therapy can be an ideal alternative to pain medication. Speak with your physician about prescribing you massage chair therapies, as they’re natural and do not come with the side effects of using pain meds.
Get a Prescription for Your Massage Chair
You will need a doctor's prescription to get your insurance company to cover the cost of your therapeutic massage chair or related expenses. Be careful of a generalized ‘’massage chair’’ therapy recommendation. Rather than wellness spa recommendations, insist on having a personal massage chair for at-home therapies.
If your healthcare provider is uncertain about recommending massage chair therapies, address their concerns. This way, you can get a prescription for natural alternatives rather than medication alone. Once you have written approval for necessary massage therapies, send the authorization with attached documents to your insurance agent and get your massage chair insured as soon as possible.
Take Care of Your Documents
Your records are necessary to get the insurance plan approved. You never know when the insurance company will ask for a medical record; therefore, take excellent care of your documents. If you lose your records, you will risk not getting the insurance plan approved. Proper documentation can also help avoid unexpected medical bills.
Pay Attention to the Maintenance
Beyond getting your massage chair insured, you must maintain and take care of your massage chair more than other home essentials. Regular usage can make it more prone to wear and tear.
Here are some tips and tricks to keep your investment in the best shape possible:
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Clean the covering or upholstery of the massage chair regularly, including all corners and crevices.
-
Be sure that no cleaning solutions get inside; try and clean those pieces away from the chair.
-
Sweep out and dust regularly using a damp, soft piece of cloth.
-
Be sure it is completely dry before you use it every time. Even a little moisture can hurt its mechanics.
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Do not keep your chair in direct sunlight. This can increase the odds of leather damage.
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Always keep your massage chair plugged into a surge protector.
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Pay attention to the sounds your chair makes. If it starts to sound different, get a professional to look at it.
A massage chair is an investment in your health and wellbeing. It is ideal to get it insured, but it also requires regular care and maintenance to ensure its longevity and optimal performance.
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Will My Insurance Pay for a Massage Chair?
It can be a bit complicated to get your insurance company to pay for your new massage chair. However, it is possible to get part of your massage chair’s full cost covered under specific insurance plans. How? Let’s find out!
Additionally, you can use health savings accounts (HSAs) and flexible spending accounts (FSAs) to buy a massage chair. This process often requires proper documentation and approval to ensure coverage eligibility and potential reimbursement.
Understanding the Insurance Plans
The health insurance industry has become increasingly stringent on what they will and will not cover. Medical equipment needs to meet the following criteria:
-
Classified as durable medical equipment, meaning it must be durable, reasonable, and essential for every other patient.
-
It shouldn’t be inappropriate for domestic usage.
-
It must serve a medical purpose.
-
It needs to withstand repeated use.
-
It should primarily take care of any physical injuries.
Although massage chairs are therapeutic, they are not always used for medical purposes unless prescribed by a medical professional. Besides, they are not vitally important to perform everyday life activities and are most frequently used for pain management and post-injury recovery.
Most insurance companies will require a prescription letter from a healthcare expert. The letter must specify how your health may be at risk if a massage chair is not in use. Two conditions often required to get your massage chair covered by insurance are hip replacement and joint dislocation. However, every insurance company has different plans and often offers some flexibility. You need to establish how your insurance company is going to cover your massage chair. Attention should be paid to the allowable clause in your contract with the company.
Choosing the Correct Health Insurance Policy
Various insurance plans can cover your massage chair and its expenses:
-
General Liability Insurance: This policy covers you from incidents of ''trips and falls.'' If any harm comes to the massage chair, such as tipping over or power surges, your general liability insurance plan should cover the cost.
-
Business Personal Property Insurance: If your massage chair is stolen or lost, this insurance policy would cover the entire cost. Additionally, your insured belongings would be covered in the event of income loss, user injuries, fire damage, and more.
-
Product Liability Insurance: Many people with massage chairs in their homes have product liability insurance. It doesn't entirely cover your massage chair, but it does include specific parts used in providing a massage. If there is any mechanical damage or malfunction in the massage chair, your insurance plan would save you the hassle and repair bills.
Read Through the Insurance Plan
Clearly, you need to read through the insurance policy before approving the plan. Ensure it has a clause covering medical massage. Read through the insurance plan carefully to guarantee that it allows you to cover the expenses of your massage chair, or the prescription by your physician would be for nothing.
Research Properly
If massage isn’t a recognized treatment for your ailment, your doctor won’t recommend chair massage therapies in the first place. Do your research to ensure therapeutic massage is an option to treat your ongoing health issues. For instance, in some cases, it may be necessary to provide them with proof, like reports stating massage chair benefits. Consult a healthcare expert and discuss any symptoms you’re experiencing along with the treatment options you can try.
You can also consider using a health savings account (HSA) to cover the cost of a massage chair. Money deposited into an HSA typically goes in pre-tax and can be used for approved medical expenses, including potentially a massage chair, after getting approval from the insurance company. This can lead to significant tax savings and the possibility of rolling over funds to the next year.
Massage therapy can be an ideal alternative to pain medication. Speak with your physician about prescribing you massage chair therapies, as they’re natural and do not come with the side effects of using pain meds.
Get a Prescription for Your Durable Medical Equipment Massage Chair
You will need a medical prescription to get your insurance company to cover the cost of your massage chair or related expenses. Be careful of a generalized ''massage chair'' therapy recommendation. Rather than wellness spa recommendations, insist on having a personal massage chair for at-home therapies.
If your healthcare provider is uncertain about recommending massage chair therapies, address their concerns. This way, you can get a prescription for natural alternatives rather than medication alone. Once you have written approval for necessary massage therapies, send the authorization with attached documents to your insurance agent and get your massage chair insured as soon as possible.
Take Care of Your Documents
Your records are necessary to get the insurance plan approved. You never know when the insurance company will ask for a medical record; therefore, take excellent care of your documents. If you lose your records, you will risk not getting the insurance plan approved.
Pay Attention to the Maintenance
Beyond getting your massage chair insured, you must maintain and take care of your massage chair more than other home essentials. Regular usage can make it more prone to wear and tear. Maintaining advanced features like intelligent voice control is crucial to ensure the longevity and optimal performance of the massage chair.
Here are some tips and tricks to keep your investment in the best shape possible:
-
Clean the covering or upholstery of the massage chair regularly, including all corners and crevices.
-
Be sure that no cleaning solutions get inside; try and clean those pieces away from the chair.
-
Sweep out and dust regularly using a damp, soft piece of cloth.
-
Be sure it is completely dry before you use it every time. Even a little moisture can hurt its mechanics.
