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Is Massage Therapy Covered By Insurance
Massage therapy is a safe, non-invasive technique that helps relieve pain and stress accompanied by certain neurological and musculoskeletal disorders
.Considering the deep level of relaxation it provides, athletes and sportspersons, construction workers or people with sedentary lifestyle are opting for massage therapy which a Registered Massage Therapist (RMT) who can administer the appropriate form of massage after consultation.
Massage therapy in Vancouver can be quite expensive at reputed clinics and therefore, it is vital you find out if the treatment is covered by your health insurance provider.
Private Insurance Policy Coverage
If you have a health insurance policy from a private insurance company, it is quite likely that it provides cover for massage therapy as a part of its extended health care package. However, you ought to read the fine print on your individual policy to understand how much of the expense the policy covers because a few insurers allow only partial coverage. Also, some insurers cover the cost of massage only if you can provide documentary evidence that the massage was recommended by a physician. In most cases, you will need to make the payment at the massage therapy clinic and then submit the receipt the clinic gives you for reimbursement to the insurance company.
Medical Services Plan
If you are covered by the Medical Services Plan under the premium assistance category, you stand to receive up to $23 for every visit to a clinic providing massage therapy in Vancouver. What this means is that if your massage therapy session costs more than the specified $23, you need to pay out of your pocket. Besides, this payment from the plan is restricted to a maximum of 10 visits per year to any supplementary health care provider an RMT, chiropractor or physiotherapist. An important point to remember is that the massage therapy clinic will confirm you are on the MSP database for premium assistance before agreeing to bill the $23 to MSP.
Insurance Corporation of British Columbia Insurance
If you decide to use massage therapy as part of treatment following an auto accident, the clinic will ask for confirmation that your claim has been accepted and only when you provide this information, you will be eligible for the $25 fee per treatment. You receive this fee for 12 such therapy sessions within duration of 8 weeks from the date when the accident occurred. Of course, if your sessions cost more than this amount, you will have to pay the balance. If you choose to undergo the massage session before your claim is accepted by ICBC, you need to bear the treatment expenses yourself.
Worksafe BC
If you need massage therapy as a part of the treatment for a work place accident, you can seek reimbursement for your expenses from Workers Compensation Board.
Veteran Affairs Canada
Persons who have a valid health ID number from Veterans Affairs Canada and receive a disability pension may qualify for coverage for their massage therapy sessions.
Before you undergo massage therapy, it is vital you find out if the clinic you plan to visit has opted out of the MSP. If this is the case, they will generally charge an amount larger than that specified in the Payment Schedule and you ought to find out how much of the expense you have to bear on your own.
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