At GLM, we don’t bill health insurance. That doesn’t mean your massage treatments are a cash-or-nothing proposition, though.
We accept L&I and PIP claims. Also, several health insurance packages that include flex spending accounts or health savings accounts allow you to use those benefits on our services.
What’s L&I and PIP and how will help you pay for your massage?
L&I stands for the Washington State Department of Labor and Industry. L&I will pay for massage therapy in cases where you may have suffered an injury at work, or are physically suffering as a result of things do you at work. The process starts when you submit a claim for worker’s compensation. You can submit a claim either through their website or over the phone.
PIP stands for Personal Injury Protection, which may be a part of your auto insurance policy. This insurance covers all or part of your medical care expenses after a covered accident.
In both of these cases, we need a few pieces of information before you can get your massage and submit your claim:
- a referral from a doctor
- billing codes for your diagnosis
- the name and contact information of your insurance agent (PIP), or case manager (L&I)
Be advised that if, after we submit the claim, L&I or your insurance company refuse to pay for the services rendered, you will be personally responsible for full payment.
Health Savings Accounts and Flex Spending Accounts
Your health insurance plan may include flex spending accounts or health savings accounts.
Health savings accounts allow you to spend part of what you pay each month on healthcare expeses. The approved expenses can cover almost anything related to health from bandages to regular massage treatments.
Usually these HSA plans give you a debit card for use on approved expenses. To charge your massage to that account, we would need that debit card or at least complete insurance information.
Flex spending accounts work in a similar way, allowing you to use a fixed amount of money on health care expenses not traditionally covered by health insurance.
If you think your health plan may allow you to pay for massage with flex spending or an HSA, see the details of your plan to find out more about how to take advantage of those.
If you still have a hard time justifying the cost of regular massage and don’t have any of these options available to you, don’t despair. At GLM we have some great options to help bring down the cost of massage and minimize the impact on your finances. Check out our previous blog post about how prepaid packages can save you real money in the long term while giving you the regular massage treatments you need.
Tom Gunn the director of marketing and the blog editor at The Good Life Massage. Follow him on Twitter @tomgunnpoet.