How To Get Insurance To Pay For A Massage Chair? Step-By-Step Guide

Helen Skeates
Helen Skeates
17 min read

How can I get insurance to cover the cost of a massage chair? – The first step is to see if it’s covered by your insurance coverage before moving forward. They’ll pay for medical massage if they have a coverage that includes it. Regardless of how much money you have to spend on a massage chair, you’ll still need a policy to pay for it.

Accept the fact that not all health insurance plans will cover massage therapy. Even if it was prescribed by a physician, this still holds true. In this case, your massage chair may not be covered.

Investing in a massage chair is always preferable to spending a lot of money. Purchase a massage chair with the help of your insurance. It’s straightforward and easy to follow the instructions in the guide below.

Maybe Yes Or No!

Whether or whether insurance will cover a massage chair is still up in the air. Keep in mind that a lot will rely on your specific plan and coverage. Yes or no might be the response. However, if you’ve exhausted all of your deductibles, your insurance company is unlikely to foot the bill. The good news is that the massage chair can be covered by insurance. Have a Health Savings Account or a Flexible Spending Account as a starting step, if you’re eligible for one. What is it, exactly, that you want to know?

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Understanding The Health Savings Account

This type of account is a medical account that is recognized on an individual basis. You are able to save all of your pre-tax earnings in this account. They can then be used as part of the health insurance provided by an insurer. As a bonus, this account will allow us greater financial flexibility.

Deposits may be made by both the employer and the policyholder. Tax havens, on the other hand, have a number of restrictions. For each individual, the ceilings can be as high as a few thousand dollars. The funds in this account should be rolled over each year. As a result, you’re able to save more money. Afterwards, you can use this money toward a massage chair. This money is used to buy a massage chair as a result. As a result of a tax break, policyholders can save as much as 30%.

Understanding Flexible Spending Account

This gives you a bit of wiggle room when it comes to where you spend your savings. The chair is an excellent choice for anyone looking for a massage chair. It’s the most versatile. It frees you up to spend more money. Buying an unusual item like a massage chair is now possible.

In terms of tax advantages, it is very comparable to the HSA. Insurance plans can also be used to put it up. This account is exempt from payroll taxation. It gives you the opportunity to save even more money in taxes. In contrast to the HSA, however, a portion of your funds in this account roll over at the end of the year. PPA Act or Patient Protection and Affordable Care Act allows you to carry $500 for the following year. That’s even if you don’t lose the money.

Choosing the Correct Insurance Policy

There are a variety of insurance policies that will cover the cost of your massage chair.

It turns out that even if your massage chair isn’t listed in Medicare’s coverage codes, there are still a couple options for getting it insured.

General Liability Insurance

Trip and fall insurance protects you in the event of an accident.

A fall or power surge could result in bodily harm to the massage chair; this would be covered by your general liability insurance coverage.

The truth is that by purchasing general liability insurance, I was able to alleviate a lot of my concerns. After all, a massage chair isn’t cheap to buy or maintain.

Business Personal Property Insurance

Here’s another alternative that’s both practical and available to you.

Fortunately, if you lose or break your massage chair, you won’t have to worry about a thing thanks to this wonderful insurance policy.

Additionally, your valuables are covered in the event of theft, as well as in the event of injury to users and fire damage. When it comes to commercial personal property insurance, The Hartford is a solid choice.

Product Liability Insurance

The vast majority of massage chair owners I know have product liability insurance in place.

There are sections of your massage chair that aren’t covered by this policy, but they’re still included.

Consequently, your insurance plan might step in and spare you the trouble and repair fees if the massage chair suffers any mechanical damage.

Without them, there are countless insurance plans available, but the ones I’ve outlined above are the most reliable in terms of covering the entirety of your massage chair should anything go wrong.

Check out Nationwide if you’re interested in purchasing product liability insurance.

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Read Through the Insurance Plan

Prior to signing on the dotted line, it’s imperative that you read the fine print of the policy. As a result, it is imperative that the policy provide a provision for medical massage.

Even if a doctor prescribes massage chair therapy, some insurance companies won’t pay for it.

Make sure your massage chair charges are covered by your insurance policy by carefully reading the fine print. If you don’t, your doctor’s prescription will go in vain.

Research Properly

If you have persistent health difficulties, do your homework and find out if therapeutic massage is a solution for you.

Massage will not be recommended by your doctor if it is not a recognized treatment for your current ailments.

Sometimes, you may need to present them with evidence, such as case studies stating the benefits of massage chairs.

Speak with a medical professional about the symptoms you’re experiencing and the treatment options available to you.

According to doctors, OTC pain relievers and massage therapy are the most commonly prescribed treatments.

Massage chair therapies are natural and have low to no side effects, so ask your doctor to prescribe them for you.

Kinds of Massage

Many forms of massage therapies are accessible nowadays, but you want your insurance company to pay for your massage chair charges explicitly. Consequently, let’s get to work on it!

If you want your insurance provider to cover the cost of your massage chair or other related charges, you’ll need a prescription from your doctor. Avoid recommendations for “massage chair” therapy.

Instead than relying on wellness spa advice, insist on owning a personal massage chair.

Discuss massage chair therapies with your doctor if he or she is cautious about recommending them. It’s possible to receive a prescription for natural alternatives instead of drugs alone.

Send your authorisation and any supporting documentation to your insurance representative as soon as possible after receiving written clearance for any essential massage sessions.

Steps To Follow For Getting Insurance to Pay For A Massage Chair

How can I get insurance to cover the cost of a massage chair? – You can accomplish this in a flash if you follow the simple instructions provided below.

Step #1. Check out the insurance policy

Examine your insurance policy to see if it covers a massage chair. If you have an FSA or HSA, you may be able to use the money to buy it. If you’re unsure, ask your service provider to check.

Step #2. Identify your illness or ailment

Insurers cover massage chairs if they are used to treat a medical condition. For a house expansion, it’s never acceptable to use it as a reason. If you’re unsure if massage is the right treatment for you, do some research. To impress your doctor, bring in a few examples of your work. To test if the massage can benefit you, please come in for this. Massage chairs are covered by insurance if a patient has a long-term back problem. As a result, you’re a great candidate for the chair if you have a similar situation.

Step #3. Talk to your doctor

Talk to your doctor about what you’ve learned from your research. The doctor will be able to adequately evaluate them this way. Indicate all of your available therapy options and symptoms. During the appointment, this is what’s going on. Treatment using a massage wand is a rare recommendation. This is the case until less holistic forms of therapy have been attempted. If you think it will assist, go into more detail about it. Decide on the best type of massage therapy for your ailment and get your doctor to prescribe it. Of course, this is only after you’ve learned that massage can help reduce your symptoms.

Benefits Of Buying A Massage Chair Using A Health Insurance Plan

Benefits of purchasing a massage chair through a health insurance plan can be seen here.

#1. Meet your deductibles

You may be able to deduct the cost of a therapeutic chair from your deductible under other health insurance policies. If you have a prescription from your doctor, then yes. In addition, it should be covered by your insurance company’s DME. Achieve some study to see whether you can do this. Call the benefits administrator next. The doctor should also be consulted. A massage chair may be of interest to you.

#2. Take the deduction for the massage chair

Tax deductions are available if a doctor has prescribed the massage chair to you. Since you’re suffering from a medical condition, this is a fact. Make certain that you may deduct the cost of the massage chair from your taxable income before making the purchase. As a result, taxpayers will have less money to pay in taxes. Let’s read and get to know each other better, my friends.

Tips To Get Your Massage Chair Protected

It’s true that purchasing a massage chair might be a pricey endeavor. You’ll feel more at ease if you take good care of the item. Use it in the most efficient manner feasible. Many steps can be taken to ensure its long-term viability.

  • Maintain the chair’s cleanliness on a regular basis.
  • Take care not to leave any sand or debris behind. That way, you’ll get more use out of your massage chair.
  • Protect your massage chair with a cover. As a result, it is shielded from the outside world.
  • Instructions can be found in the manual. There are some important instructions in there as well. As a result, you’ll gain a better understanding of how to apply it.

Take Care of Your Documents

The insurance company needs a copy of your records to authorize your coverage. Keep your medical records in order, because you never know when an insurance company will request a copy.

About a month ago, when I went to insure my massage chair, my insurance representative requested a prescription and a copy of the referral from my doctor.

Because of this, I can tell you from personal experience that these documents are essential to obtaining payment.

The insurance plan could be denied if you lose your records, which can be a pain in the neck.

One thing to remember is that not all insurance companies consider massage therapy to be a medical treatment.

As a result, don’t make any assumptions about anything else. Here’s your chance to make a real impact!

Pay Attention to the Maintenance

Maintaining and taking care of a massage chair requires more attention than most other household items.

If you frequently use your massage chair, it is more likely to wear and tear.

What if you’re not taking adequate care of your massage chair, why would an insurance company do it for you??

A few suggestions and strategies to keep your high-end product in excellent condition:

Keep the massage chair’s upholstery clean, including all corners and crevices.

Try to clean such parts away from the chair so that the cleaning solution doesn’t get inside.

Routinely remove dirt from the carpet by sweeping it up with a wet, soft cloth.

Every time you use it, make sure it’s thoroughly dry first. (It can be damaged by even a small amount of moisture)

If you have a leather massage chair, don’t forget to oil it. (Alternatively, you can polish the leather.)

Please keep it out of direct sunlight, since this could lead to the leather being damaged.

Use a surge protector for your massage chair.

Consider the noises it produces when using it. If that doesn’t seem right, seek the advice of a specialist.

Massage chairs are high-profile investments that pay dividends in the long run. It makes sense to insure it, but it doesn’t change the fact that you must take responsibility for it as well.

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As a conclusion, while you may or may not be able to secure adequate coverage for your massage chair, you should always give it your all. At the very least, would it be possible for you to avoid making the same error I did?

As a result of not insuring it sooner, I’ve lost a significant amount of money.

As a result, it is imperative that you begin searching for insurance policies today. I hope the chances are stacked in your favor.

Would insurance pay for a massage chair?

As long as you meet the eligibility requirements, Medicare will cover the cost of your lift chair. As a condition of receiving Medicare benefits, your doctor must verify that you meet these conditions. It demonstrates to Medicare that you have a genuine need for their coverage. A Lift Chair’s Eligibility For You

Do You Know How to Get Insurance to Pay for a Massage Chair? In the year 2020, November 21 Anthony Walker on November 20, 2020 Getting your new massage chair covered by your insurance carrier can be a bit of a hassle.

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You’ll get a better massage if they correspond to your body’s pressure points. The only other option is to wriggle around in the chair in an attempt to get it to fit better; otherwise, you’re out of luck. Using a 3D scan of the body, the massage roller location and massage field breadth may be adjusted.

80% of the lifting mechanism is covered by Medicare once the lift chair is approved. The remaining 80%, as well as the price of the lift chair’s seat, must be covered by the beneficiary. Determine if the lift chair is medically necessary: Despite the patient’s best efforts, they are still unable to rise from a conventional chair on their own.

Does Insurance Cover Massage Therapy?

Massage is popular among those seeking to unwind and ease discomfort. It can also alleviate muscular tension, enhance blood flow, alleviate nerve pressure, and restore natural joint motion. Risks. Massage is considered safe if performed correctly. If you have any of the following conditions, you should not have a massage: open wounds.

Have the employee foot the bill for part or all of the massage but still allow them to get the benefits of having a Massage Therapist visit their workplace on a more frequent basis. Car Accident Victims Get Free Massages. When a Chiropractor or Medical Doctor refers you to a massage therapist, your Personal Injury Protection (PIP) with your auto insurance will pay for it.

The main drawback is that it quickly becomes prohibitively expensive to obtain both on a regular basis. This is where a high-end massage chair’s largest advantage really shines. After a long day at work, it’s nice not to have to waste time driving to the chiropractor or massage therapist’s office to have a massage and stretches.

This is supported by a 2010 meta-analysis that looked at the effectiveness of massage therapy in the treatment of depression. Insomnia Insomnia affects a large portion of the general population in the United States, but veterans are particularly hard hit by it.

A massage treatment scheduling software like Appointy is vital if you want to focus on your massages rather than dealing with appointment booking calls, payment concerns, database management, etc. Build a customer base. You’ve completed the necessary tasks, and it’s time to start working.


In order to obtain insurance reimbursement for a massage chair, refer to the information provided below. Everything you need to know is right here. To cover the cost of your massage chair, consider purchasing an insurance coverage. However, as long as you have medical records and doctor’s approval, you won’t have to worry.

Helen Skeates

Helen Skeates

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