Insurance-billed massage — covered care, same hands.
Covered sessions for clients with Aetna, Kaiser, Heraya Health, or most auto-injury claims. The bodywork is the same as a private session — the only thing that changes is who pays for it. Bring your insurance card to your first visit.
Currently in-network with —
If your plan isn't here, message me first. Some plans cover bodywork as out-of-network with a prescription.
Aetna
Most Aetna plans cover medically-necessary massage with a doctor's prescription. Verify your specific plan benefits before your first visit. Most clients see a small copay.
Kaiser Permanente
Covered through Kaiser's complementary care benefit on many plans. Some plans cover up to 20 sessions per year with a referral; others have copay structures.
Heraya Health
Covered with provider referral. Heraya is one of the easier plans to work with — typically same-day verification and direct billing.
Auto Insurance (PIP)
Personal Injury Protection claims after auto accidents. Most Washington and Oregon auto policies include PIP that covers bodywork as part of accident recovery. Bring your claim number.
Regence BlueShield
Now in-network with Regence. Covered with a physician referral on most Regence plans. Verify your specific plan benefits before your first visit.
Other plans
For BCBS, Cigna, United, and others — some plans cover out-of-network with reimbursement. I'll provide a superbill (coded receipt) so you can submit for partial reimbursement.
Three steps to covered care.
Verify your benefits
Easiest path: send me your insurance card photo and I'll verify your specific plan's massage benefit before your first visit. Some plans need a prescription from your PCP, chiropractor, or physical therapist; others don't. We'll figure out which yours needs.
Bring your card & prescription
On your first visit, bring your physical insurance card and any prescription or referral your plan requires. We'll do a brief intake on insurance basics — same as any clinic. Then we move into the same intake conversation as a private session.
The session is the same
This is the most important part. Insurance-billed sessions are the exact same bodywork as private sessions — same intake, same length, same hands. The only thing that changes is the billing process at the end. You may have a copay or no copay depending on your plan.
When insurance should be doing the work.
Recovering from an auto accident
Whiplash, neck pain, back pain, and soft-tissue injuries from car accidents are exactly what PIP (personal injury protection) covers. If you've been in an accident in the last two years, your auto insurance usually covers a course of bodywork. Most clients don't realize this. Bring your claim number and we'll get you scheduled.
Working with a PT or chiropractor
Many physical therapists and chiropractors will write a prescription for complementary massage. Insurance often covers it as part of your treatment plan, especially if there's a specific diagnosis like cervical strain or chronic low-back pain.
Managing chronic pain
Plans increasingly cover bodywork for chronic pain conditions — fibromyalgia, post-surgical pain, ongoing musculoskeletal issues — as an alternative to long-term opioid prescription. Talk to your PCP about a referral.
Prenatal & postpartum
Many plans cover prenatal and postpartum massage with a referral from your OB or midwife. Worth asking — particularly Kaiser members.
"Excellent massage and professional service. Reasonable price. Brooke was great and very friendly."
About insurance billing.
Do I need a prescription?
Depends on the plan. Some (like most PIP claims) don't require one. Others (like most Aetna and Kaiser plans) do require a prescription or referral from a doctor, chiropractor, or PT specifying massage therapy and a diagnosis. Send me your insurance card photo before your visit and I'll verify what your specific plan requires.
What's my copay?
Varies by plan. Common ranges: $0-30 for in-network plans, 20-50% coinsurance for out-of-network. PIP claims usually have $0 out-of-pocket. I'll quote your specific copay before we start the session, never afterward.
Is the session shorter than a private session?
No. Same 60 minutes of hands-on work. Some clinics shorten insurance sessions to 45 minutes — I don't. Insurance pays a billable rate; you get the full hour either way.
How long does an auto-injury claim take?
Initial claim setup: usually one phone call to your auto insurer's claims department. They'll issue a claim number and approve a course of treatment (often 12-24 sessions). After that, scheduling is the same as any other client. Most accident clients are scheduled weekly for 6-12 weeks.
What if my insurance denies coverage?
Two paths. (1) We can appeal — most denials reverse on appeal if there's a clear medical reason for the prescription. (2) You can switch to private-pay at the standard $120 rate. We'll have the conversation before any charge happens.
Can I use my HSA or FSA?
Yes. Massage therapy is generally HSA/FSA-eligible with a doctor's note (a "letter of medical necessity") that ties the work to a specific condition. Bring the letter and your HSA/FSA card to your first visit.
All my sessions are insurance-eligible.
Use the coverage you already pay for.
Bring your insurance card. Most plans verify in under an hour.
Book Insurance Session →Massage therapy is a wellness service and is not a substitute for medical diagnosis, advice, or treatment. Insurance coverage, co-pays, and out-of-pocket costs vary by plan — contact your carrier to verify your benefits before your first appointment. A Good Faith Estimate is available upon request. No Surprises Act · HIPAA Notice · Privacy Policy