Massage Therapy coverage varies from clinic to clinic and navigating the funding system can be complicating. As a general rule, most massage therapists charge a Fee per Time (Not Fee Per Visit). Services provided at each visit fall into 4 time periods:
Payment Options for Massage Therapy
If you need massage therapy, let our team help you navigate the funding systems. Most patients are unaware of the benefit from their insurance plans and other funding sources. Contact our team and we can help. ask@albertaPT.com . Below is a summary of what funding sources cover massage therapy care.
1. Private Insurance
Most patients who are employed are covered by a Group Insurance Account or a Health Spending Account through their employer. For patients who have Group Insurance, the benefits for massage therapy range from 100% coverage, to partial coverage with deductibles. When looking into your plan, you will need to know:
If you have a health spending account, you will need to ask your employer your yearly maximum amount and who to submit your receipts to. Many employers will offer both the Group Insurance and the Health Spending Account so that access to massage therapy is fully covered.
For patients who are married and both partners have insurance, the process can be somewhat more complicating and does vary from case to case. To maximize your benefits, you should talk to the clinic administrator prior to your visit.
Most private insurance plans require your massage therapist have 2200 hours of training. Confirm your plan will accept service from your massage therapist.
All AlbertaPT clinics provide direct billing to insurance, if available.
2. Motor Vehicle Insurance
If you were injured in a car accident, massage therapy is completely covered by the Automobile legislation. Accessing funding does require paperwork to be completed by both the patient and the physiotherapist. If you are assessed within 10 days of the car accident, you can qualify for either the WAD 1 or WAD 2 in-protocol programs. For out-of-protocol programs of care, legislation requires private insurance be accessed first, with the remaining unpaid balance covered by the Automobile Insurance.
If you are in-protocol, your massage therapy can be part of your treatment plan. If you are out-of-protocol, the maximum allowed amount for massage therapy is $250.
Navigating the Automobile Accident Insurance Benefits and dealing with adjusters can be a complicating process. Let our Care Coordinator assist you with the process.
3. Worker’s Compensation Board
WCB does not fund massage therapy.
4. Public Funding (Alberta Health Services, Primary Care Network)
AHS and PCN do not fund massage therapy.