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:
- 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.
There are two conditions that are required to get your massage chair covered by a reliable insurance company: hip replacement and joint dislocation. However, every insurance company has a different plan, and they're often flexible. All you need to do is 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 Insurance Policy
Various insurance plans can cover your massage chair and its expenses.
General Liability Insurance
This is an insurance policy that covers you from incidents of ''trips and falls.'' So, in case of any harm to the massage chair, whether it tips over or there is power surge, your general liability insurance plan should cover the cost for you.
Business Personal Property Insurance
This is another practical option available to you. If your massage chair is stolen or lost, this type of insurance policy would cover the entire cost. Excluding theft, 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 that are used in providing a massage. So, in case of any mechanical damage or malfunction in the massage chair, your insurance plan would come into play and 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. You should make sure it has a clause on 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.
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 that state massage chair benefits. Consult a healthcare expert and talk about any symptoms you're going through along with the treatment options you can try.
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
While there are many types of massage therapies available, you specifically want your insurance company to cover your massage chair expenses. So, let’s explore that.
You will need a medical prescription in order 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 health care provider is uncertain about recommending massage chair therapies, focus on 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 absolutely necessary to get the insurance plan approved. You do not know when the insurance company will ask for a medical record; therefore, so take excellent care of your documents. If you lose your records, you will be at risk of not getting the insurance plan approved.
Pay Attention to the Maintenance
Beyond getting your massage chair insured, you must maintain and take care of a your massage chair more than other home essentials.
When your massage chair is used regularly, it can be more prone to wear and tear.
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)
- Do not keep your chair in direct sunlight. This can increase the odds of leather damage.
- Always keep your massage chair plugged into a surge protector.
- 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. That being said, it is ideal to get it insured, but that doesn’t mean that it requires less care from you as well.