Will my insurance cover my massage?

We frequently receive inquiries asking, “Will my insurance cover my massage?” The answer lies with your insurance provider! However, we’ve found that many of our clients have had success in obtaining reimbursement by submitting the receipt we provide, which includes procedure codes and our NPI numbers. 


After over 20 years of billing insurance for massage therapy, we made the decision to no longer participate in networks with United HealthCare, Anthem Blue Cross Blue Shield, Kaiser, and Cigna. This decision benefits you because being treated by an out-of-network provider often increases the likelihood of reimbursement. Additionally, you can use your FSA or HSA cards, allowing you to utilize those funds before taxes.


I always recommend obtaining a referral for massage therapy to demonstrate medical necessity, in case your insurance policy requires justification. Yes, I even recommend getting a referral to relax! A chiropractor or your family doctor can provide this referral, and most insurers require a diagnosis code. As massage therapists, diagnosing or prescribing treatments is outside our scope of practice.


Here are some essential questions to ask your insurance provider:

– Does my policy cover massage therapy performed by a licensed massage therapist?

– Is CPT code 97124 covered under this policy?

– Is there a deductible for massage therapy? If so, how much has been met?

– How many massage therapy sessions are allowed per year? How many have I used?

– Is a referral necessary for coverage?

– Where should I send claims for reimbursement for services from an out-of-network provider?


If you have any further questions, feel free to reach out to us via email or call us at 303-652-3533.