Responding to consumer
demand, many health insurance plans now cover massage provided by a massage therapist
or provide "carve out" discount programs for massage. Many Blue Cross and Blue
Shield medical plans now offer such discount programs for massage. In a 1998-99
survey of 114 HMOs, by Landmark Healthcare, 11 percent of the HMOs surveyed said
they cover therapeutic massage. Some of the largest managed care organizations,
including Aetna US Healthcare, Kaiser Permanente, and United Healthcare cover
massage and other complementary therapies.
Massage therapy is currently regulated in 30 states and the District of Columbia.
The remaining states leave any regulation of massage therapy to local municipalities.
Statewide regulation of massage therapists may determine if your insurance directly
covers massage by a massage therapist. Workers compensation and auto insurance
Personal Injury Protection coverage usually cover therapeutic massage.
Check with your healthcare insurance provider. Once massage therapy is prescribed,
you or your doctor may need to seek authorization from the insurer if coverage
is not clearly spelled out in your policy or plan.
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