Massage Therapy Insurance: Everything You Need to Know

Looking to onboard massage therapy insurance for your next therapy venture? Many therapists are now also looking to integrate it into their practice. You must first know all its intricacies before you begin.

ByadminonJanuary 03, 2024

Massage Therapy Insurance

Looking to onboard massage therapy insurance for your next therapy venture? Many therapists are now also looking to integrate it into their practice. You must first know all its intricacies before you begin.

This blog provides details about how you can set up insurance for massage therapy. We also talked about how insurers handle massage therapies. Continue reading further if you want to learn more about insuring your massage therapy practice. 

What is Massage Therapy Insurance?

Massage Therapy Insurance

Massage therapy insurance is a specific type of medical insurance coverage. It protects massage therapists and their clients from legal risks and other liabilities. These liabilities are related to their massage treatments.

This insurance generally includes liability coverage. It covers specific claims related to property damage and body injury. Damages and injuries have to occur during massage sessions.

The insurance also covers professional liability coverage. This coverage includes malpractice or negligence claims. You must have insurance as it protects you financially. It can be helpful if you run into any unexpected accidents during practice.

Your clients can also benefit from massage therapy insurance billing. They will also be covered in case of any injury or other massage issues. You can change cheap massage therapy insurance for different legal risks. You have to focus on the hands-on nature of your therapy for this.

Its nature creates a secure environment for therapists and clients. It also increases trust between them. You can focus more on providing quality care. You do not have to worry about any legal or financial repercussions.

How Does Massage Insurance Work?

Massage Therapy Insurance

  • Liability Coverage

Liability coverage is one of the parts of massage insurance. Therapists consider it as an important layer of protection. It comes in handy whenever there is an accident or injury during massage sessions.

It covers all legal and medical expenses. These expenses arise due to body injury or property damage claims. You can depend on massage therapy liability insurance to cover you in case of unexpected situations.

It enables you to focus on your therapy work. It will support you if there is any massage-related accident. Your clients are also likely to feel secure if there is any issue during their massage sessions.

  • Professional Liability Coverage

Every massage therapist must have professional liability coverage. It protects them against negligence claims from their clients. A client can allege that they faced malpractice from their therapist during sessions.

Liability coverage provides legal and financial protection from that. It covers the massage therapists accused of professional errors. You can use that to focus on your work. You will not encounter any legal or financial trouble.

  • Business Property Coverage

Medical massage therapy insurance coverage is for business property as well. They cover the equipment and supplies used in massage therapy. Your items, like massage tables or oils, can get lost or damaged. You can easily replace or repair them if they are covered.

Massage therapists benefit a lot from this coverage. They do not face any major disruptions where they have to pitch in financially. They do not even have to pay for the tools involved.

Massage insurance protects therapists from property liabilities. They can also help you maintain your massage business. This way, it contributes a lot to the stability of your practice.

  • Rental Damage Coverage

You can cover your massage therapy practices from rental damage as well. It is specifically for the therapists who rent their offices. There can be some accidental damage to your rented area. This insurance will cover those damages in case of positive insurance eligibility verification.

The floors or walls of your office may get damaged. In any case, rental damage coverage does not leave any unexpected repair expenses.

It provides financial support to hospitals. You can practice without any worry. You are safe from any financial losses incurred through rental property damage.

  • Aggregate Limits

Massage insurance is based on aggregate limits. These are the highest limits for insurance companies to pay for covered claims. You can define these limits at a specific time. They serve as a cap on how much the insurance company can contribute.

You should be aware of your aggregate limits at all times. Once you cross them, your massage insurance will not cover any further claims. At that point, you will have to renew their policy.

Massage therapists track their aggregate limits for the same reason. They need to ensure sufficient coverage for their practice. These limits refer to the best layer of insurance protection for a set time limit. You should use it for yourself to manage your practice effectively.

  • Additional Coverage

Massage insurance allows therapists to change their coverage with additional endorsements. These endorsements can either be special techniques or modalities. They change the type of insurance based on specific massage needs.

You can rest assured your coverage will match your type of massage treatment. Therapists are always looking out for such optional add-ons.

You can use these add-ons to create unique insurance plans for each client. You can execute these plans to fulfill your specific practice requirements.

Is Massage Therapy Covered by Insurance?

Massage Therapy Insurance

Insurance coverage of massage therapy depends on the type of therapy and insurance. They are generally covered but with few exceptions. Common health insurance plans are eligible for massage therapy. But they are also subject to certain changes in the market.

Some insurance plans cover medically necessary massage therapy. This happens when a qualified and licensed doctor prescribes massage. They consider it as a treatment plan for injury recovery. It can also solve chronic pain and stress-related problems.

However, there are certain limitations to covering massage therapy. Some of them are common for many therapists. They offer a limited number of therapy sessions.

You should be licensed to provide therapy as a healthcare provider. Some therapy businesses even need pre-authorizations or doctor referrals for coverage.

There is a workers’ compensation set to cover rehabilitation or physical injury. Another method is auto insurance. It is specifically for the clients involved in car accidents or work injuries.

These clients have to go through intense massage sessions for their recovery. In other cases, there are specialized instances for massage insurance. Therapists can get their own individual professional liability insurance.

Professional liability will protect them from liability claims instead of client sessions. It will also help you solve your financial and legal issues. These issues usually result from malpractice claims.

There is a concept of out-of-pocket payment posting services as well. These payments are from clients requiring quick stress relief and relaxation. Some employers also organize wellness programs for their employees. They usually talk about alternative therapies.

What Conditions Can Be Treated with Massage Therapy?

  • Muscle Tension and Pain

Simple and effective exercises of massage therapy can treat muscle tension and pain. You just have to gently manipulate your muscles. Massage releases any knots and relaxes the tight areas in your muscles. It provides instant relief from the resulting discomfort.

Your blood flow to that body area increases. You also become more flexible due to ease in muscle tension. Muscle pain can result from stress, overuse, or general discomfort. Regular massages can solve this problem.

They reduce muscle pain and increase well-being. Massage gives a soothing touch to unwind muscles. This way, you can use a straightforward approach to provide relief to your patients.

  • Stress And Anxiety

Massage therapy also has an effective solution to treat stress and anxiety. It includes a gentle touch and rhythmic movements during massages. They provide a calming effect on your patients’ nervous systems. The effect gives comfort and relaxes them.

It also releases feel-good hormones like endorphins in the body. They give a sense of well-being. This is a simple way to decrease your patients’ stress levels.

It soothes anxiety and creates a peaceful experience. Massage has a therapeutic nature that makes it a practical choice for patients. They can get relief from their challenges of stress and anxiety.

  • Chronic Pain Conditions

Massage therapy also provides relief from chronic pain conditions. Therapists have to manipulate specific soft tissues of their patients. This procedure relieves the pain resulting from various issues.

The common issues in patients are chronic back pain and arthritis. You can improve their blood circulation and reduce muscle tension. These practices give instant comfort to your patients.

Your regular massage exercises decrease chronic pain symptoms. They are practical and natural solutions that can provide relief. They are ideal for patients who have persistent pain. Therapists can use them to increase the mobility of their patients.

  • Headaches And Migraines

Massage therapy is beneficial for treating headaches and migraines as well. It concentrates its focus on specific areas of tension. These areas include the neck, shoulders, and head.

A massage can fix muscle tightness. It also decreases the frequency and intensity of headaches. Specific massage exercises induce a soothing touch and relaxation. They can relieve your patients from stress-related headaches.

You can have regular sessions with your patients. You can use these sessions to manage and prevent headaches and migraines. They offer patients a natural and calming approach. It instantly relieves them from their common discomfort.

  • Sports Injuries And Rehabilitation

Massage therapy plays a vital role in treating sports injuries. It also helps in rehabilitating sports players. You only have to target the inflamed muscles.

Massages reduce inflammation and speed up the healing process for players. They also quickly become flexible to get back in the game.

In case of soreness, the only solution for athletes is massage. It reduces their soreness and prevents further injuries. Such athletes have to undergo regular massage sessions.

Regularly exercising serves as an ideal approach and leads to quick sports-related recovery. It also improves the performance of sports players.

Therapists have to focus on specific tension and stress areas. This way, massage therapy becomes an effective tool for athletes. They can engage in physical activities without the worry of injury.

  • Sleep Disorders

You can perform massage therapy as an effective remedy for sleep disorders as well. It induces a unique sense of relaxation. Your patients can feel less stressed and anxious. As a result, they can get better sleep.

Massage has a calming effect on their nervous system. It increases their serotonin production so they can have a restful sleep experience. This is particularly useful for patients who have insomnia or other sleep difficulties.

Regular massages are enough to serve as a straightforward solution. They have a simple yet effective approach thanks to their therapeutic benefits. They can improve sleep patterns and make your patients feel rejuvenated upon waking.

Common Massage Therapy CPT Codes

  • 97010

The 97010 CPT code applies to the hot and cold packs involved in physical therapy. It is assigned based on the packs applied to specific areas of the body.

This code bills how the packs are provided as part of a therapeutic treatment plan. Only qualified professionals can assign this code with an increment of 15 minutes. 

  • 97124

The 97124 CPT code is assigned to manipulate soft body tissues. It addresses specific patient needs. Therapists use it to bill their skilled and hands-on massage therapy.

It is part of a medical coding services plan that improves mobility and diminishes pain. It can be applied to one or more areas of the body.

  • 97140

You can assign the 97140 CPT code to manual therapy procedures. These procedures have hands-on methods to manipulate muscles and soft tissues. They include body interventions like joint or soft tissue mobilization.

Another intervention is myofascial release. They address specific musculoskeletal issues in many areas of the body.

  • 97112

The 97112 CPT code is assigned to neuromuscular reeducation procedures. These procedures involve specific therapeutic exercises. They improve the balance, coordination, and proprioception of your patients.

This code bills the exercises that enhance motor skills and neuromuscular function. It is specifically for patients with functional deficits.

  • 97110

The massage exercises of the 97110 CPT code include different targeted movements. They also include some strenuous activities that improve strength, flexibility, and endurance. They are useful for structured exercises.

You can assign this code to enhance the physical function and well-being of your patients. Its exercises can only be provided by directly coming in contact with the patient.

The Bottom Line

This blog highlighted the importance of insurance for massage therapy. We looked at how it works and if insurance covers it. We also discussed the health conditions and codes that come along with massage therapies.

Health Quest Billing is well-versed with all the ins and outs of massage therapies. Contact us to learn how you can use its insurance coverage to increase your revenue.

Revenue Cycle Management (RCM), the method for handling healthcare claims adjudication, is the revenue generator for

Free Demo
  • 25 + Medical Specialties

    Revenue Cycle Management (RCM)
  • 800 M+ Revenue Collected

    Revenue Cycle Management (RCM)
  • 98 % Clean Submission Rate

    Revenue Cycle Management (RCM)
Call Us Skip to content