Fitness Benefits for Health Insurance
This prescription probably won?t get approved but one for Pilates might!
One of the big perks about having health insurance in the US is it frequently comes with fitness benefits. ?This is a great way to defray a bit of the cost of working out and can make you a bit adventurous. ?Feel free to try something new that you otherwise wouldn?t. ?I?ve got some guidelines for the reimbursements as well as how you can get your HMO or insurance company to cover your workouts all the time. ?(If you truly need it for medical purposes.)
One caveat, fitness benefits can vary greatly by company and by the type of plan you have. ?Read over exactly what YOU have and feel free to call a customer service rep to get the details.
Fitness Benefits that Qualify
Fitness benefits can run the gamut of a medically guided yoga class at a hospital to a Zumba class at a local health club, from CrossFit Boxes to even a therapeutic massage there is usually a wide array of choices that will qualify. ?To get the benefit you?ll need to have a receipt from the fitness place that you?re going to and you?ll need to follow the paperwork properly when you submit.
If you?re not sure what to try I recommend a personal training session or two. ?A good personal trainer can give you a home workout routine that you can try out for a while. ?When you get bored with it you can go back for a tune up and to stay challenged. ? ?Another good benefit to try is a class card ? you can often buy a ?10 pack? of workouts from say a yoga studio or a boxing club. ?This is a great way to get a lot of bang for your buck, you could wind up with 10 or 15 workouts that your health insurance pays for, how cool is that?
Fitness Benefits For Medical Reasons
In my Pilates studio we often get referrals from physical therapists for their patients. ?They have some sort of joint issue or a cranky back and their physical therapy prescription has run out but the person is still not 100%. ?In many cases a fitness facility can take over and help the person in their recovery and the HMO will pay for it. ?Ask your doctor if he?ll write you a prescription for your workouts (our clients literally get a prescription for Pilates) and submit it to the HMO to see if they?ll reimburse you. ?Often they?ll pay for a handful of sessions or they?ll pay a percentage on an ongoing basis. ?This has been a godsend to some of our clients, one is on the waiting list for a lung transplant, one has multiple sclerosis and needs a workout that doesn?t overheat her. ?There are so many reasons to medically need to workout. ?Check with your provider to see if you qualify.
Have you used your fitness benefits for the year yet? ?What did you use it on? ?Maybe you?re bored and it?s time to break up with your workout.
Cheers,
Lisa
Source: http://www.lisajohnsonfitness.com/fitness-benefits-for-health-insurance/
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