As you can probably imagine, billing medical insurance for a massage therapy appointment can be daunting task.
Medical Insurance as Primary Payment
In order for me to accept your medical insurance as a primary payment type, a few conditions must be met:
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- Your medical insurance plan must offer massage therapy as a paid benefit
- A prescription for massage from your Primary Care Physician must be provided. This prescription MUST include the following information:
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- Diagnosis and associated ICD-10 code(s)
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- Modality (type of massage) prescribed
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- Number of sessions prescribed
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- If your insurance company requires pre-authorization for referrals, you must provide documentation of pre-approval
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- You will need to complete my Client Intake Form
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- You will need to sign an Assignment of Benefits (AOB) form that I will provide before our session
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- An AOB is an agreement that allows your insurance company to submit payment for your sessions
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- It also states that you are personally responsible for any amount not covered by insurance
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- You will need to sign an Assignment of Benefits (AOB) form that I will provide before our session
- You will need to sign a Health Information Release as required by HIPAA. I will provide you with this form.
Medical Insurance Massage Reimbursement
This process is similar to how most vision and dental plans work. You pay me out-of-pocket for your massage session. You can then submit the receipt that includes my National Provider Identifier (NPI) to your insurance company. I can provide detailed notes on each massage therapy session to submit as proof of service.
Using Your HSA/Flexspend Account
Many patients maintain a Health Savings Account (HSA) or Flex Spend account in addition to their health insurance. These accounts are pre-tax payroll deductions and can be used for many health-related purchases, including office visit co-pays, prescriptions, medical equipment, etc.
In most circumstances, you can use your HSA/Flex Spend debit card to pay for your mobile massage therapy sessions. Simply provide the card for payment and it will process as any other card. Occasionally, you will be asked to provide documentation for final approval. I am able to provide receipts and detailed session notes to assist with this process if required.
Worker's Compensation and Other Situations
Sometimes Worker’s Compensation Insurance or a third-party company will cover massage therapy costs. An example of this might include the other driver in a motor vehicle accident resulting in whiplash, traumatic brain injury, or a slip and fall.
I am happy to discuss your unique situation and help develop a plan to get as many costs covered on your behalf.
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