Does Insurance Cover Infrared Sauna Therapy?
Infrared sauna therapy is not covered by insurance. Medicare specifically excludes infrared therapy devices under NCD 270.6, and no private insurers cover infrared sauna sessions. It is classified as a wellness service.
Medicare Coverage
Medicare explicitly does NOT cover infrared therapy devices for any condition (NCD 270.6, effective October 2006). This includes infrared saunas, near-infrared devices, and all infrared light therapy — even for diabetic neuropathy or wound healing.
Private Insurance Coverage
No private insurance plans cover infrared sauna sessions. Insurers classify it as wellness/spa, not medically necessary. Out-of-pocket cost ranges from $25-65 per session at studios, or $300-5,000+ for a home unit.
What about Medicaid?
Medicaid coverage for infrared sauna therapy varies by state. Some states cover it under managed care plans while others do not. Contact your state Medicaid office or check your plan's benefits guide.
Tips for Getting Coverage
- 1
Buy a home infrared sauna to reduce long-term costs ($300-1,500 for a portable unit)
- 2
Gym memberships at facilities with infrared saunas can be cost-effective
- 3
Monthly studio memberships ($99-199) offer better per-session rates
- 4
Use HSA/FSA funds for a home unit with a letter of medical necessity
- 5
Some wellness centers bundle infrared sauna with other services at a discount
How to Check Your Coverage
- 1
Call the number on your insurance card
Ask: "Is infrared sauna therapy a covered benefit under my plan?" Get the answer in writing or note the reference number.
- 2
Ask about prior authorization
Some plans require pre-approval before treatment. Ask if a referral from your primary care doctor is needed.
- 3
Verify provider network status
In-network providers will cost significantly less. Ask your insurer for a list of covered providers in your area.
- 4
Understand your cost share
Ask about your copay, coinsurance, and deductible for this service. Out-of-network benefits may still apply.
- 5
Check HSA/FSA eligibility
Even if insurance doesn't cover infrared sauna therapy, you may be able to use pre-tax HSA or FSA funds. Get a letter of medical necessity from your doctor.
Cost Without Insurance
Low
$25
Average
$40
High
$65
Per
per session
Monthly cost: $100–$260 (2-4x per week).
Use our Cost Calculator for detailed pricing →Find Infrared Sauna Therapy Providers
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Frequently Asked Questions
Does Medicare cover infrared sauna therapy?
Does private insurance cover infrared sauna therapy?
Which states mandate insurance coverage for infrared sauna therapy?
How much does infrared sauna therapy cost without insurance?
Can I use HSA or FSA funds for infrared sauna therapy?
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Last updated: May 2026. Insurance coverage changes frequently. Always verify with your insurer before starting treatment.