Understanding Insurance For Massage
When it comes to insurance most of us tend to feel a little in the dark. Who can blame us? With all the terminology, preauth requirements, referrals, deductibles, types of coverage and coverage limits it can be enough to make our heads spin.
There are a few actions we can take to be proactive and avoid potential problems later on. It’s always a good idea to call the insurance company beforehand so that you understand what the coverage is and what your share of the cost will be. I can save you time by contacting your insurance on your behalf. I will then go over with you what your coverages are in plain language.
Good record keeping is also important. Always write down the date and the name of the person you spoke to and follow their directions to the letter. Written referrals and chart notes must be attached when required. And claims must be filed timely.
Following up is important as well. Checking in to see if claims have been received and are complete will keep things from getting delayed. You can also find out when to expect reimbursement.
The insurance that most commonly covers massage therapy is auto accident coverage. Usually this will fall under personal injury protection coverage or PIP. In these cases, massage therapy is almost always covered with a referral from a doctor or chiropractor. Workers’ comp will also often cover massage therapy. Then there is regular old health insurance. Coverage for massage is less common on these plans but not unheard of. If you’re not sure, let me know. I’d be happy to call and find out for you!