How to Get Insurance to Pay for Massage Chair

How to Get Insurance to Pay for Massage Chair

Massage chairs aren’t just comfortable and relaxing - they also come with some really important health benefits, like improving circulation and reducing muscle tension. Unfortunately, cost is sometimes a barrier that prevents us from experiencing these benefits for ourselves. 

To reduce the cost of a massage chair, many people turn to their health insurance provider. But does insurance cover massage chairs? In some cases, yes - you may be able to get assistance for medical massage chairs in Canada, and that’s what we’re going to discuss today. 

Even if you can’t get a massage chair covered by insurance, it’s still a worthwhile investment in your health, comfort, and happiness! Join us as we explore the benefits of these game-changing chairs and how to get insurance to pay for massage chairs. 

Benefits of Owning a Massage Chair

Learning how to use massage chair brings some amazing health benefits - it’s much more than a luxury! Let’s take a look at how investing in a massage chair is really an investment in your physical and emotional health. 

Physical Health Benefits

Regularly using a massage chair can alleviate chronic pain, particularly in your back, neck, and shoulders. It helps to reduce muscle tension and inflammation, providing relief from conditions such as sciatica and arthritis.

Massage chairs stimulate blood flow, which can help to reduce blood pressure, enhance nutrient delivery to tissues, and promote quicker recovery from injuries. By relaxing tight muscles and aligning the spine, massage chairs can also improve posture, saving you from future aches and pains.

Mental Health Enhancements

The calming effects of a massage can lower cortisol levels, helping to reduce stress and anxiety. This promotes a sense of well-being and relaxation. Regular massages also improve sleep quality by helping you to unwind and relax, making it easier to fall asleep and stay asleep all night.

Massage chairs can increase the production of serotonin and endorphins, the body's natural "feel-good" chemicals, which can help combat depression and enhance your overall mood. After just a few massages, you’ll feel less stressed, more present, and much lighter - it’s amazing! 

Lifestyle, Convenience, and Cost

You may see a massage chair as an expense, especially if you can’t get a massage chair covered by insurance. But, how much is a massage chair going to cost compared to the time and money you could spend on professional massages? Doing it at home is a significant saving!

With a massage chair at your disposal, you can enjoy therapeutic massages anytime, whether it's to start your day, during a lunch break, or before bed. Over time, the savings quickly add up, and you’ll soon see why a massage chair is a worthwhile and savvy investment. 

Does Insurance Cover Massage Chairs?

So, does insurance cover massage chairs? Unfortunately, the answer isn’t straightforward. In some cases, massage chairs may be covered by your health insurance policy, but in other cases, you won’t be so lucky. It depends on a number of factors, including: 

  • The type of insurance plan you have
  • Whether you can show medical necessity 
  • Having the proper documentation to support your claim 

Next up, we’ll look at how to get insurance to pay for massage chairs, and how to strengthen your case as much as possible. 

How to Get Insurance to Pay for Massage Chair

In terms of how to get insurance to pay for massage chairs, there’s certainly some strategy involved. Here’s what you need to know. 

Documenting Medical Necessity

The first and most crucial step in how to get insurance to pay for massage chairs is to establish and document the medical necessity of a massage chair for your condition. If you can show that you would benefit from a massage chair, you have a much stronger case. 

Schedule an appointment with your doctor to discuss your condition and how a massage chair could benefit your treatment plan. Conditions such as chronic back pain, arthritis, sciatica, or circulatory problems are commonly recognized for this purpose. 

Request a detailed prescription from your doctor that outlines your diagnosis, the recommended treatment plan, and how a massage chair specifically will aid in your health management. The prescription should be as detailed as possible, mentioning the frequency and duration of use.

Collect all relevant medical records that support your diagnosis and treatment plan. This includes doctor’s notes, imaging results (like X-rays or MRIs), and any previous treatments or therapies you have tried.

Navigating Insurance Claims

Once you have documented the medical necessity, the next step is to navigate the insurance claims process. Carefully read your insurance policy to understand the coverage terms and conditions. Look for any clauses related to durable medical equipment (DME) or therapeutic devices.

Reach out to your insurance company to discuss the possibility of coverage for a massage chair. Ask about the pre-authorization process and any specific documentation they require, and use this as an opportunity to get your questions answered.

Prepare and submit a pre-authorization request to your insurance provider. This request should include the doctor’s prescription, medical records, and a detailed letter explaining why a massage chair is necessary for your treatment.

Maintain a record of all communications with your insurance provider, including phone calls, emails, and letters. Document the names of representatives you speak with and any reference numbers for your claims.

Dealing with Rejections

Despite your best efforts, your initial claim may be denied. If this happens, it’s important to be prepared and persistent. Carefully review the denial letter from your insurance provider. It should explain why your claim was rejected and what additional information might be needed.

Contact your insurance company to request a reconsideration of your claim. Provide any additional information they may require and clarify any misunderstandings. If your request for reconsideration is unsuccessful, you can formally appeal the decision.

The appeal should include all previous documentation, a new or revised letter from your doctor, and any additional supporting evidence. If your appeal is denied, consider seeking help from a patient advocate, a legal advisor, or a professional specializing in medical claims.

Even If You Can’t Get Your Massage Chair Covered By Insurance, It’s Still a Great Investment!

Even if you follow all the steps, there’s unfortunately still a chance that your insurance company won’t cover the cost of a massage chair. Even if you can’t get financial assistance, massage chairs are still an incredibly valuable investment. Here’s why. 

Why These Are Worth Every Penny Even if You Have to Pay Out of Pocket

We sometimes don’t realize how much aches and pains affect our daily lives. Can you crouch down and play on the floor with your kids without getting impatient from an aching back? Can you wake up feeling refreshed, with no neck or head pain? With a massage chair, you can! 

Whether you use your massage chair to get you ready for the day, or to unwind after a long, stressful day at work, it’s the perfect way to take the little aches and pains out of life. Once you do that, it’s so much easier to enjoy life’s little moments - can you really put a price on that?!

Other Ways to Finance the Investment in Your Health and Happiness

Luckily, there are plenty of other ways you can finance your massage chair if your insurance claim doesn’t go through. If you have a flexible spending account (FSA) through your employer, you can use pre-tax dollars to pay for medical expenses, including potentially a massage chair. 

Or, if you have a high-deductible health plan (HDHP), you can contribute to a health savings account (HSA) and use those funds to purchase a massage chair with potential tax savings. 

Many massage chair manufacturers and retailers offer financing plans that allow you to pay for the chair in monthly installments. These plans often come with low or no interest rates, making the purchase more manageable. You can also keep an eye out for sales, deals, or promos! 

Explore Our Massage Chairs and Financing Options at Forward Furniture in Canada!

Here at Forward Furniture, we believe everyone should have access to the power of massage chairs. That’s why we offer the best prices on premium massage chairs, as well as financing options to help you navigate this investment. 

Our friendly, expert team can walk you through your options and show you how to choose a massage chair that’s right for you, even if your insurance provider is unable to help. You won’t find a better selection of quality massage chairs anywhere else! 

Looking for the best massage chair in Canada? We’ve got you covered in these locations: 

Drop into one of our stores or browse your options online - we’re bound to have a massage chair that can soothe your aches and pains, improve your circulation, and lower your stress levels without breaking the bank. 

Closing Thoughts on Getting a Massage Chair Covered By Insurance

So, that wraps up our guide on how to get insurance to pay for massage chairs. In some cases, depending on your insurance plan and whether you can prove medical necessity, your provider may cover a massage chair. 

Even if they don’t, there are other ways to finance your massage chair, and the benefits of this investment far outweigh the cost! Here at Forward Furniture, we have the best selection of premium massage chairs to help you live your best, most comfortable life. 

Ready to find your new favorite piece of furniture? Shop premium massage chairs at Forward Furniture - your body will thank you!

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