Does Insurance Cover Massage Therapy?
Medicare does not cover massage therapy. There is no NCD or LCD providing coverage for standalone massage.
Medicare Coverage Details
Medicare does not cover massage therapy
Massage therapy is not a covered Medicare Part B benefit. While massage may be used as part of a physical therapy treatment plan ordered by a physician, standalone massage therapy sessions from a licensed massage therapist (LMT) are not covered. No NCD exists for massage therapy.
Private Insurance Coverage
Not covered by Medicare as standalone. Some private insurers cover when prescribed by a physician for specific conditions. Workers' comp and auto injury often cover.
What about Medicaid?
Medicaid coverage for massage 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.
How to Check Your Coverage
- 1
Call the number on your insurance card
Ask: "Is massage 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 massage 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
$60
Average
$100
High
$200
Per
per session
Monthly cost: $100–$800 (Weekly to monthly).
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Frequently Asked Questions
Does Medicare cover massage therapy?
Does private insurance cover massage therapy?
How much does massage therapy cost without insurance?
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