What insurance companies cover massage therapy

Massage therapy is increasingly recognized for its health benefits, including stress reduction, pain relief, and rehabilitation from injuries. Many insurance companies have started to include massage therapy in their coverage plans, though the extent of coverage can vary significantly based on the specific plan and provider.

Here is an overview of some insurance companies that cover massage therapy and what you need to know to make the most of these benefits.

Key Insurance Providers Offering Massage Therapy Coverage

Company A: Known for its comprehensive healthcare approach, Company A offers plans that cover various forms of massage therapy, including therapeutic and relaxation massages. Coverage often requires medical necessity, usually verified through a referral or prescription from a healthcare provider. It is essential to check if your massage therapist is in-network to maximize benefits and minimize out-of-pocket costs​ ​.

Company B: This company promotes holistic health and includes massage therapy in its coverage. Their plans may encompass different types of massage therapies, including those aimed at stress reduction and pain management. Like Company A, a referral from a healthcare provider is typically required to qualify for coverage​ ​.

Company C: Recognizing the growing demand for alternative treatments, Company C includes massage therapy in many of its plans. Specific requirements, such as documentation of medical necessity and referrals, are often needed. Ensuring your massage therapist is in-network can enhance your coverage​ ​.

Company D: With a focus on integrated healthcare, Company D’s plans often cover massage therapy as part of their wellness initiatives. Coverage might include therapeutic, deep tissue, and relaxation massages, with conditions similar to other companies regarding medical necessity and referrals​ ​.

Company E: This insurer stands out for its commitment to preventive care, often covering massage therapy under its wellness benefits. Stress reduction, pain management, and overall physical well-being are among the reasons for which their plans may provide coverage​ ​.

Steps to Ensure Coverage

To ensure that your massage therapy sessions are covered, follow these steps:

Verify Coverage: Review your specific insurance policy to understand the coverage details for massage therapy. Not all plans within the same company offer the same benefits, so checking the specifics is crucial.

Get a Referral or Prescription: Most insurance companies require a referral or prescription from a healthcare provider to prove medical necessity. This document should specify the frequency, duration, and purpose of the therapy, whether for pain management, stress reduction, or injury rehabilitation​ ​.

Choose an In-Network Therapist: Selecting a massage therapist who is recognized by your insurance provider can maximize your benefits. In-network therapists usually have pre-established agreements with insurers, simplifying the reimbursement process and reducing out-of-pocket expenses​.

Submit Necessary Paperwork: Ensure you have all required documentation, such as the prescription, itemized receipts, proof of payment, and completed claim forms. Contact your insurance provider for specific forms and procedures​ ​.

Understand State Regulations: Be aware of your state’s specific regulations regarding massage therapy practice and insurance reimbursement. These rules can affect whether your therapy is covered and what documentation is needed​ ​.

Additional Considerations

Pre-Authorization: Some insurance plans may require pre-authorization before starting massage therapy. Check with your provider to avoid any surprises.

Coverage Limits: Be mindful of any limits on the number of covered sessions or monetary caps on reimbursement.

Out-of-Network Coverage: If your preferred therapist is out-of-network, some plans may still offer partial reimbursement. However, the reimbursement rate is usually lower, and the process may require more extensive documentation and upfront payment​ ​.


Massage therapy can be a valuable component of a comprehensive healthcare plan, and several major insurance companies recognize its benefits by including it in their coverage. By understanding your insurance policy, securing the necessary referrals, and choosing the right therapist, you can effectively manage your health expenses and enjoy the therapeutic benefits of massage. Always communicate with your insurance provider to ensure that you meet all requirements for coverage and reimbursement.

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