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Insurance Agent

Insurance Massage

I currently do not accept insurance as a form of payment for your session. This is something I am working on! However, I do accept PIP, HSA (health-savings account) and FSA (flexible-spending account).


If you own a car and have car insurance, you have personal injury protection (PIP), unless you have personally signed away that provision on your policy. If you have an accident and you have PIP coverage, your insurance company will cover your medical needs. Your PIP will cover you either if the accident was your own fault or the fault of someone else. You will need a prescription from your doctor, a claim number and the name of your adjuster from your personal car insurance company.


The main purpose of these accounts is to enable you to pay for qualified medical expenses with tax-free dollars. Qualified medical expenses are defined under Section 213 of the IRS Code (See IRS Publication 502: Medical and Dental Expenses). Most people remember to pay for health care practitioner visits and prescription drugs from their HSA or FSA (or save the receipts and reimburse themselves later), but people often do not realize that medical massage therapy is a commonly qualified medical expense. To use HSA or FSA to cover your medical massage, follow the steps below.

The first step in the process is to reach out to HR or your insurance carrier and ask if massage therapy is a covered treatment. In some cases, your actual insurance policy will reimburse you for the full cost of your massage treatments, as long as you follow their processes.

The second step in the process is to receive a letter of medical necessity from your doctor. This letter should include the following:

  • The reason you need massage therapy. (Fibromyalgia, sciatica, migraines, etc.)

  • How many sessions/month you’ll need. (Weekly, 2x/month, 1x/month, etc.)

  • How long you will need treatment. (3 months, one year, until resolved, etc.)

  • Session Length. (Should they be 60 minute, 90 minute or 120 minute massages?)

The third step is to book and enjoy your massage! You will be given a more detailed massage therapy receipt to accompany the prescription when you submit it to your insurance company. Please don't hesitate to let me know if you have any more questions or need any assistance.

Things To Note When Using FSA/HSA

*Improvement of mental health or relief of stress is generally not covered. For example, a massage just to improve general health do not qualify. However, if the massage therapy is recommended by a physician to treat a specific injury or trauma, then it would qualify with a letter of medical necessity. Examples of illnesses that may qualify include carpal tunnel syndrome, back pain, arthritis, diabetes, hypertension, fibromyalgia, chronic fatigue, anxiety, depression, and pain management.

*One thing to remember is that HSA and FSA funds must be spent before the end of the year or you will lose them! Make sure you get the most of your benefits before time runs out.

About Your Medical Massage:

Medical massages provided through a doctor’s referral involve specific treatment work for the session to be billable to your claim.

We hope you’ll find the treatment relaxing, but the primary focus is healing and rehabilitation. This means that every aspect of the session will be geared to that specific goal. I cannot provide any spa services in the form of session enhancements for medical massage sessions, such as cupping or aromatherapy. I will not do massage work for any area or ailment not specified in the referral.

Massage is extremely effective for healing, particularly when an injury has done damage to soft and connective tissues and circulation. However please do not expect instant results.

Please note that all billing done by myself, whether it is in your home or mine is $120 for 60 minutes. 

PIP and Insurance: About
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