Are Hot Tubs Covered by Health Insurance?
Whether you suffer from intermittent aches or chronic pain, you might be wondering, Are hot tubs covered by health insurance? The answer depends on a few things: your health insurance company, your specific health insurance policy, and the treatment plan prescribed by your doctor.
A hot tub may be covered by your insurance company if your doctor has prescribed spa hydrotherapy as treatment for a specific medical condition. When filing your claim, be sure to include all relevant medical documentation, such as x-rays, MRI results, and other test results that support your doctor’s diagnosis.
Be aware, however, even with a prescription and thorough documentation, your claim may be rejected because some policies specifically exclude hot tub coverage. Many health insurance companies deem home spas personal care equipment not necessary medical equipment.
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