Insurance Plans Accepted Richmond Chiropractors
We accept most insurance plans including PPO, HMO and Medicare. Aetna American Chiropractic Network American Specialty Health Network Beech Street Chiropractic. NEW PATIENT EXAM: $95-$140 CHIROPRACTIC ADJUSTMENT: $50. Please contact us to book your chiropractic appointment at one of our two locations.
Before Making An Appointment Get Your Specific Massage Benefits Verified By Your Insurance Company
When you decide to come in for medical massage make sure to call your insurance member service to confirm your benefits.
Evergreen Massage & Wellness can assist you by uses the insurance carriers online portal or telephone services to verify your benefit information as soon as possible prior to your appointment. However, the online system does not show all benefit details and Insurance phone services are only available Monday Friday. It is best to call your member service and find out the exact massage benefits before you make an appointment. Evergreen Massage & Wellness is not responsible to verify your insurance benefits.
Please provide your legal name and date of birth, the name of your insurance carrier, your member ID number, your Group number and the Customer Service phone number on the back of your card. We need to confirm your benefits in advance.
Please Note: Verification of Benefits is NOT a guarantee of coverage. Final payment determination will be made when your insurance company processes your claim. The client is responsible for full payment of the appointment if insurance denies your claim.
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Can I Use An Hsa Or Fsa For Massage
In many cases, a massage will be covered by your insurance plan, whether you use an HSA or FSA. Follow these steps to make sure youre qualified.
1. Start with HR
Before you do anything else, reach out to your HR department or your medical insurance carrier and ask if massage therapy is considered a covered treatment. In some situations, an insurance policy wont cover massages, even if you get a prescription from a doctor.That said, at Zeel weve found that the majority of customers who have an FSA or HSA had no trouble covering their massages.
2. Doctor visit
Once youve gotten the go-ahead from your insurance carrier, schedule an appointment with your primary care physician. Pro tip for this step of the process: Dont start by just saying you want a massage. Youll need to first explain your specific symptoms.
There are a wide variety of mental and physical conditions that could qualify for a massage. Stress-related symptoms, circulation issues caused by diabetes or hypertension, sciatica, arthritis, tinnitus, fibromyalgia, anxiety, depression and chronic back pain are all examples that could qualify for massage therapy.
Preparation is key to this discussion. Dont be afraid to bring case studies of people whove alleviated similar symptoms through the power of massage therapy. You could also suggest specific massage therapy options, which can help you illustrate the legitimacy of this type of care.
3. Get a prescription
4. Use Your FSA or HSA for Massage
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How Do Massage Therapists Find Out If Their Clients Have Coverage For Massage Therapy Services
Be sure to discuss rates and payment expectations with your client during your initial phone contact. Getting things in order before their initial visit makes good sense in order to avoid time-consuming issues later on. Be sure to ask your client to find out whether massage therapy is a coverable service under their specific insurance and plan. If it is, they may want to check if massage is coverable by a . Some plans require that massage be performed by a physical therapist, occupational therapist, chiropractor or other. Just because an insurance company offers massage as a plan benefit does not necessarily mean they allow massage therapists to provide the service.
In some cases of auto accident and workers comp, it may also be necessary to be in regular contact with a case manager regarding your services as they may be assigned to oversee the care of their insured.
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Why Would You Want An Hsa Or Fsa
There are a wide variety of benefits to these health accounts. First, HSAs and FSAs help you automate your savings for medical expenses. People rarely expect a medical emergency to happen, so these plans help you prepare without having to think about it.
And then there are the tax benefits. For both HSA and FSA, any contributions you make are pre-tax, so you end up saving a lot of money in the long run.
HSAs also roll over, meaning you can take any savings youve made for the year and apply them to the next year. FSAs, on the other hand, do not roll over. The set amount you put aside will go away if its not spent before December 31.
There are a few differences between FSA and HSA overall, but as it pertains to paying for a massage, they work the same.
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How Much Can I Save With An Hsa/fsa
More than you might think. Each year, you can save 30-40% from your out-of-pocket expenses by paying for massage with your HSA or FSA. And if you sign up for a membership, you can save even more.
The normal rate for a 1-hour neuromuscular massage is $149, but it can cost as little as $79 for Massage Revolution members. Discounts apply to all our other massages as well. A 1-hour therapeutic massage, normally priced at $99, is only $59 for members. If you get massage regularly, that adds up to thousands in savings every year!
Can I Buy A Massage Gun With Fsa Or Hsa Card
If you have an FSA card, you should definitely look to purchase a massage gun using the fund in it. This is because the money on your card expires after the plan year.
Unless your employer gives you a grace period, you will not have that money in there for long.
So, make use of it if you can. Just remember to offer proof that you are buying one as a medical expense.
For an HSA card, you dont have to worry about the funds expiring. The HSA card can hold more loot than the FSA one.
Since a massage gun costs a pretty penny, the funds can come in handy and save you from spending your own money.
Again, if a massage gun is not listed under your plan, get a LOMN from your personal care physician.
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Massages With A Doctors Note Of Necessity
Sometimes, a massage is much more than a therapy for stress relief. Therapeutic massages can help people deal with depression, pain and other medical ailments. In certain cases, the massage is deemed medically necessary, and can be classified as a qualified medical expense. In a case like this, accountholders can use their HSA to pay for the massage. For you to use your HSA to pay for the massage, you must provide a letter of medical necessity from your doctor that therapeutic message is really needed.1 Talk to your doctor if you think this situation could apply to you.2
Using Your Hsa To Pay For Massage Therapy
by Katrina JenkinsMar 8, 2021
In todays world, massage therapy is finally being recognized as a medical service as opposed to a luxury. Yes, there are patients who do seek out massage for the sole purpose of having a spa day, and there is nothing wrong with that. But the majority of patients, at least in my experience as a massage therapist, receive massage for healing purposes. And while most who need a corrective approach are treated for muscle pain or emotional stress, some patients are prescribed massage for injuries or medical conditions.
When its a medical necessity for a specific condition, massage may be eligible for reimbursement. The service can be covered by a health savings account , or a flexible spending account . The two means of assistance differ in ways, so Ill break the topics into two different articles. For now, lets discuss the steps for using HSAs to cover the expense of a medical-massage. Next time, well address FSAs.
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Are Massage Guns Hsa Eligible
The same thing applies to HSA cards. You can buy a massage gun if your Health Spending Account fund covers it.
Since massage guns are already listed as medical items , you can purchase one using your HSA card.
You need to ask your insurance provider for this information. In case there is no clear answer, you will need a LOMN from your physician or doctor to explain why you need a massage gun.
Again, remember that the kind of massage gun you need has to qualify as an HSA massage gun.
But Do We Recommend Theraguns
Yes, Theraguns are fantastic devices, but they might not be perfect for everyone. For starters, they are punchy devices with 16mm amplitude. Their intensity emanates from their long stroke lengths.
However, they have fewer percussions per minute often not exceeding 2450RPM.
Compared to Aura Revive, Theraguns are punchier and more aggressive, thus likely more effective for most people. Even the Theragun mini will be punchier than the Aura Revive or any of the Zarifa devices.
Besides, Theraguns, especially the new 5th Generation have some great features like build-in routine presets, bluetooth connectivity and more.
Here are our in-depth Theragun reviews for further reading:
- and this years premiere, Theragun Face PRO, a face massager.
FSA/HSA eligible
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Which Massage Guns Can I Buy With My Fsa Or Hsa Card
There are only a few brands of massage gun that are officially eligible for use with an FSA or HSA card. Zarifa USA are a company whose products are HSA/FSA eligible. Their products are FDA approved Class I and II devices. Because they are DME certified and classed as medical equipment, they can be used to treat a medical condition.
Their massage gun, the Z Smart Massage Guncan be purchased using a HSA, FSA or HRA card. Just add the massage gun to the basket and checkout as normal. Instead of entering your credit card details, enter the details of your health card.
Get 10% offour exclusive coupon code HMG
The Z Smart Mini Massage Gun is also FSA Eligible and available at Zarifa USA.
Dont purchase without following your FSA providers guidelines!
You need to have a valid medical reason to purchase a massage gun using HSA or FSA. You cant just buy a massage gun because you want to enjoy a relaxing massage. They are only eligible for medical spending. A massage gun can be used to treat muscle issues, circulation problems or pain and stiffness. You should see your doctor to get a prescription before you buy as some FSA providers require a doctors prescription.
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Prescriptions For Massage Therapy
In order to ensure that your massage therapy session will be eligible for your FSA or HSA dollars, you should visit your doctor, explain your condition, and get a prescription. Your doctor will need to provide the following information on the prescription:
- The medical necessity of massage therapy
- The number of sessions you need per month
- How long treatment will be necessary
You should not need to bring the prescription to Massage Envy in order to pay simply use your FSA or HSA card. You can instead submit the prescription to your FSA or HSA administrator before you pay for the massage. Note that even with a prescription, eligible services for FSA or HSA spending will vary depending on your plan.
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How Do I Use My Fsa/hsa
The first step in using your FSA or HSA money for massage therapy is to pay a visit to your primary care doctor. Let the doctor know you have an FSA or HSA and are seeking massage therapy as the solution to a medically eligible condition. The doctor will write a prescription for your massage if he/she deems it to be medically necessary.
Your prescription will need to include the following:
- A reason for your massage therapy treatment, such as a medical condition or to relieve chronic back pains.
- The number of sessions youll need or the frequency of your visits
- The length of the treatments needed.
Once you have received the prescription, file it away in case you are asked to show proof of the expense. You can use your FSA/HSA card to pay for massage services online or in-person. Just remember, tips are not considered a medical expense.
How Do You Find A Massage Therapist Who Accepts Your Insurance
The easiest way to find healthcare that your insurance covers is to check your insurance network and see which massage therapists are available near you. You can also call individual providers to ask whether they accept your coverage and whether a doctors referral is required. Be sure you confirm that they accept your coverage before you receive services.
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What Is An Hsa Or Fsa
HSAs and FSAs are both programs that allow you to set aside money for qualified medical expenses like prescriptions, copays, deductibles and other healthcare costs. Because these funds are put aside pre-tax, this means you dont pay any taxes on these funds.
Some employers will actually contribute to your HSA or FSA as well. The contributions will be loaded onto a debit card that you can use to pay for medical expenses.
If youd like to see what the IRS considers a qualified medical expense, from the IRS. If you have any questions about these benefits, reach out to your HR department.
Use Your Hsa/fsa For Massage
Ok, Ill have to apologize to those who didnt know, but Ive been accepting Health Savings Accounts and Flex Spending Accounts for a while now. I know these accounts have become more popular due to higher deductible plans and many companies contribute to these accounts. For the moment, these accounts are the next best thing to accepting insurance in my practice.
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What You Can Spend Hsas On
Here are some of the items one can purchase with an HSA account. For a comprehensive list of qualified expenses and commentary on potentially qualifying items, visit HealthEquity.com/qme.
Cobra premiums. In the case you lose your job or transition to a new one, HSA funds can be used to pay for Cobra coverage.
Acupuncture. Members can include in medical expenses the amount paid for acupuncture.
Dental. What members pay for the prevention and alleviation of dental disease is a covered expense. Preventive treatment includes the services of a dental hygienist or dentist for such procedures as teeth cleaning, the application of sealants and fluoride treatments to prevent tooth decay. Treatments to alleviate dental disease include services of a dentist for procedures such as X-rays, fillings, braces, extractions, dentures and other dental ailments.
Vision. Eye exams are covered, as well as eyeglasses and contact lenses needed for medical reasons. In addition, eye surgery to treat defective vision, such as laser eye surgery or radial keratotomy, is a covered expense.
Alcohol and drug addiction treatment. Inpatient treatment at a therapeutic center for alcohol or drug addiction, including meals and lodging, are covered. Members can also include in medical expenses amounts paid for transportation to and from Alcoholics Anonymous meetings in the community if the attendance is necessary for treatment.
Can I Use My Hsa Or Fsa For A Massage
Did you know? Massage Therapy is eligible for reimbursement through most FSA’s and HSA’s. Some do require a Letter of Medical Necessity from your doctor, but this means you can potentially be reimbursed from your insurance for your massage from us! You just need a note from your primary care physician.
Both FSA’s and HSA’s are tax-advantaged accounts that let people save money to pay for qualified medical expenses, but they have a few important differences:
HSA :
An HSA is a tax-advantaged medical savings account for taxpayers in the US who are enrolled in a high-deductible health plan . The money in your HSA can be used to help pay health insurance deductibles and medical expenses, including Dental and Vision care. The 2019 annual limit for contributing funds for individuals with single medical coverage is $3,500. The annual contribution limit is $7,000 for those covered under family medical plans. If money is withdrawn for qualified medical expenses, it is never taxed. However, If money is withdrawn for other purposes prior to age 65, you’ll owe 20% taxes on the amount withdrawn. After age 65, money can be withdrawn without penalty.
FSA :
How to use HSA or FSA for Massage Therapy:
The physician must provide three pieces of information on your prescription:
1. Why the massage is medically necessary
2. The number of sessions you’ll need or the frequency of your visits
3. The length of the treatments needed.
The form should include:
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What Is The Difference Between An Hsa And An Fsa
The primary difference between these two plans is that the funds in an HSA stay in the account from year to year. As a result, even if you don’t have too many medical costs in a given year, you can still put money away for future use. On the contrary, FSA funds often have a usage deadline of December 31 of the year in which they were contributed. FSA money won’t be carried over into the following fiscal year.
While HSAs and FSAs aren’t identical, the distinctions between the two accounts are irrelevant when it comes to paying for a massage. However, if you have an FSA with money left over at the end of the year, this is an excellent opportunity to schedule an appointment for a massage.