Massage and acupuncture treatment for injuries or for chronic conditions may be covered by your health insurance, car insurance or by Labor and Industries. At SABA we have 12 practitioners who work with most of the insurance carriers that exist in Washington State. We can take care of the billing and advise you on how to proceed. Please read below for more specific information.
Washington State has a law called the "Every Category of Provider" Law, which requires that insurances in Washington State cover alternative health specialties - including massage and acupuncture. Here at SABA we work with Group Health, Regence, Premera/Blue Cross, Uniform, Corvel, Cigna, First Choice, Aetna, Axia/American Whole Health Network, American Health Specialties Network, and others. See our filter on the home page to find a SABA provider who works with your insurance. Some insurances have out of network benefits as well. Meaning, even if a provider does not work with your insurance, the insurance company may pay a portion of the treatment anyway.
There are numerous plans out there, each with different benefit packages and with different limitations on alternative healthcare. Most require a referral from a medical provider. Before you make an appointment it is very important that you call the number on the back of your insurance card and ask the following questions (remember to write down with whom you spoke):
1. What is my coverage for massage (or acupuncture)?
2. Do I need a doctor's referral or prescription?
3. What is my co-pay or co-insurance?
4. What is my deductible for the year?
5. Has my deductible been met for the year?
Medicare/Medicaid and Basic Health/DSHS
Massage and Acupuncture are not covered by these government funded insurances: they are exempt from laws that require coverage of these treatments in Washington State.
Motor Vehicle Accidents
If you have been injured in a motor vehicle accident (MVA), massage and/or acupuncture treatments may be covered by insurance as part of your recovery. You must have a referral from a doctor, chiropractor or nurse practitioner, and our acupuncturist and massage therapists will work in conjunction with your referring provider. These treatments, if approved are covered by your Personal Injury Protection (PIP) with your own insurance, even if another party is at fault. If you don't have PIP, you may be able to use your Health Insurance through a process called "subrogation". If another party is at fault and you don't have PIP, their insurance may pay for your treatments. This is called a "Third Party" claim. Not all practitioners will take third party payment, as payment is usually delayed until the claim is settled. This can take a year to three years or more.
Labor and Industry
Massage is covered for L & I injuries, with a doctor's referral. L & I does not cover acupuncture.
We have approximately 60 providers in the Seattle area who send patients to us for clinical treatments. Most Common Diagnoses for which doctors entrust their patients to SABA are: neck pain, thoracic pain, lumbago (low back pain), sciatica, shoulder strain/pain in joint involving shoulder, pain in limb, migraine, and headache. We also see people to treat fibromyalgia, insomnia, multiple sclerosis, lymph problems and many other conditions. Most insurances will pay for such conditions with the proper referrals.
Seattle Advanced Bodywork Associates
4033 Stone Way North
Seattle, WA 98103