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Health Insurance & Health Insurance Spending Accounts

 

Essential Massage and Bodywork caters to a diverse clientele spanning all age demographics and health situations attracting clients who desire an alternative or complementary route to Western medicine to reduce pain, high blood pressure, stress, anxiety, headaches, insomnia and improve an overall sense of well-being and quality of life.  Massage therapy works with the body’s systems to rebalance and rejuvenate.  It creates a soothing affect and provides needed conduit to promote the body’s own ability to self-heal.  Client and practitioner work together with positive healing intention to create a profound transformation with each session.  

 

We know that payment for therapy can be complicated at times, and even stressful. We help provide support as best we can as you navigate payment options. Essential Massage and Bodywork partners with Physical Therapists, Chiropractors, and Physicians to support and enhance the healing process of their clientele. 

 

We are set up to accept self-pay in the form of cash or credit card. We assist our clients in obtaining reimbursement from their insurance provider, provided they have massage therapy coverage. Whether you choose to have your insurance reimburse you for your treatment or you wish to pay privately, in each case 100% of your bill is due at the time of service. We will not submit paperwork or direct bill your insurance company. However, we have provided some direction and related documents below that may help you in the process.

 

FSA: Flexible Savings Accounts

HSA: Health Savings Accounts

HRA: Health Reimbursement Accounts

 

These accounts allow you to secure your earned money to be spent on health expenses, tax deferred. They can only be used for medically necessary expenses. However, the following guidelines generally must be followed as these accounts are for medical benefit not luxury.

 

https://www.irs.gov/publications/p502/ar02.html#en_US_2014_publink1000178977  (Copy and paste into your browser)

 

  • Your massage session must be considered medically necessary by your physician.

  • Ask your physician to complete our prescription form found 

  • Make sure your physician includes: the duration needed for treatment and the frequency needed.

  • Bring your physician’s completed prescription form with you to our office so that we can add it to your clinical care plan.

  • Pay for your massage in our office utilizing the debit or credit card associated with this specific account.

 

Helpful Resources

 

Visit the Internal Revenue Service site. Here they provide a helpful guide for how to allocate your FSA, HSA and HRA savings.

 

Insurance

 

There are many ways to pay for your therapy and in some cases your insurance may cover your treatment. We recommend you speak with your provider prior to your appointment to inquire if your sessions are covered. We do not check your insurance to inquire about coverage.

There are five steps to follow with your insurance provider to see whether treatment with us is covered:

  • Check with your insurance provider and ask if massage is covered in your plan.

  • If yes, ask them if it needs to be medically necessary.

  • If yes, you will need your physician to complete our prescription form

  • Make sure the physician includes: the duration needed for treatment and the frequency needed.

  • Bring your physician’s completed prescription form with you to our office so that we can add it to your clinical care plan.

 

Disclaimer
 

We will assist you in the insurance process but don’t guarantee that your insurance carrier will cover your service at our clinic. It is your responsibility to check with your own insurance provider and submit the appropriate paperwork with your provider.

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