Insurance, How to be Proactive and Avoid the Year End Crunch

Insurance, How to be Proactive and Avoid the Year End Crunch

This happens every year. Beginning of December comes along and client after client realizes that they have $ XX amount of unused insurance towards Massage Therapy. They beg and plead to get in for a treatment as soon as possible, however we are all booked up for the remainder of the year. It is hard for us to turn away clients so we decided to help you out so you can avoid the year end crunch next year! Let’s be proactive and help you start the year off right! We couldn’t think of a better way!

Here are some calculations we did to help you utilize your health insurance and get the most out of your plan. We also suggest booking 1-2 months in advance. It is much easier to cancel an appointment because something came up or you got invited to something last minute than it is to try and get in for a treatment last minute.

  • 60 minute $75=  80% is $60
  • 45 minute $60=  80% is $48
  • 30 minute $50=  80% is $40
  • 90 minute $105=80% is $84

Scenario 1. You have $500/yr of Massage Therapy coverage at 80%

  • You can have 8.3 – 60 min treatments a year or once every 6 weeks
  • You can have 10.4 – 45 min treatments a year or once every 5 weeks
  • You can have 12.5 – 30 min treatments a year or once every 4 weeks
  • You can have 5.9 – 90 minute treatments a year or once every 8 weeks

Scenario 2. You have $350/yr of Massage Therapy coverage at 80%

  • You can have 5.8 – 60 min treatments a year or once every 8 weeks
  • You can have 7.2 – 45 min treatments a year or once every 7 weeks
  • You can have 8.75 – 30 min treatments a year or once every 6 weeks
  • You can have 4.16 – 90 min treatments a year or once every 12 weeks

Scenario 3. You have $850/yr of Massage Therapy coverage at 80%

  • You can have 14.16 – 60 min treatments a year or once every 3.5 weeks
  • You can have 17.7 – 45 min treatments a year or once every 2.9 weeks
  • You can have 21.25 – 30 min treatments a year or once every 2 weeks
  • You can have 10.11- 90 min treatments a year or once every 5 weeks

Scenario 4. You have NO INSURANCE

  • $75 for a 60 min treatment every 4 weeks=13 times a year. This works out to $975/yr or $81.25 a month
  • $75 for a 60 min treatment every 5 weeks=10 times a year. This works out to $750/yr or $62.50 a month
  • $75 for a 60 min treatment every 6 weeks=8 times a year. This works out to $600/yr or $50 a month.
  • $60 for a 45 min treatment every 4 weeks=13 times a year. This works out to $780/yr or $65 a month
  • $60 for a 45 min treatment every 5 weeks=10 times a year. This works out to $600/yr or $50 a month
  • $60 for a 45 min treatment every 6 weeks=8 times a year. This works out to $480/yr or $40 a month.

Our goal to show clients the value of our work and their treatments and recognize that preventative measures will lead to overall better health. We hope our clients can begin to see the importance of self care and maintenance regardless of the absence of health coverage. The more you put into your health, the more you get out of it.

**(Scenarios are just an example of the most common insurance coverage amounts we see. If yours is not listed here we would gladly figure out what you’re allotted for treatments. Please check your insurance coverage to see what you qualify for and what the stipulations of your coverage entails. (Ex. yearly dollar amount, Rx, cost allowed per visit or if you have a  deductible) These calculations are merely to show you how you can equally divide up your insurance for the calendar year so you can get the most out of your plan.  Payment is due at the end of your treatment time and direct billing is at the sole discretion of the Therapist. Please check with your therapist before your treatment)