The maximum yearly coverage for massage varies between insurance policies. For some benefits plans, massage therapy has it’s own designated amount for the year. Meanwhile for other plans the coverage for massage is bundled with physiotherapy and chiropractic therapy.

Specifics for how much of the treatment cost is covered by insurance also depends on your insurance policy. Policies may have a percentage (%) or dollar amount ($) of coverage per treatment. Many insurances cover 80-100% per visit up to a maximum amount for the year, but there are also plans where up to $50 per visit is covered with no maximum amount.

It’s best to call your insurer to find out these details.

Some policies need a doctor’s referral that is dated before the first massage treatment otherwise the claim is unaccepted. You must submit the referral to your benefit company prior to your massage treatment.

Some policies require you pay a deductible for your first massage treatment meaning that you may have to pay out of pocket the first treatment when you don’t expect it.

Some policies allow for the provider/clinic to submit a claim on your behalf. For others, they may only accept a claim submitted by the insured member. If that is your policy set up, you must make the full payment, submit your receipt, and then wait to be reimbursed by your insurer.

Most insurers allow the provider/clinic to directly bill a claim on behalf of the insured member, but not all insurance policies will allocate the payment to them. If your policy covers a certain amount of the total treatment cost and allocates the payment to the provider/clinic then you just pay the remaining balance. If your policy covers a certain amount of the total treatment cost and allocates the payment to the insured member then you must pay the full amount and wait to be reimbursed by your insurer.