Are Hot Tubs and Spas Covered by Health Insurance?

Many of our customers ask if hot tubs and spas are covered by health insurance. The answer is: it depends on your insurance company and your specific health plan.

Your health insurance policy may cover the purchase price of a new spa if hot tub therapy has been prescribed by your doctor to treat a legitimate medical condition. Conditions that may be best alleviated through warm water immersion include athletic and joint injuries, arthritis, and poor circulation.

Even with a doctor’s prescription, however, many health insurance policies specifically exclude hot tub coverage. If hot tub therapy isn’t directly ruled out, you may be able to file a claim. In such a case, your hot tub may qualify as necessary medical equipment.

If your policy rules out hot tubs, but a doctor thinks hot tub treatment is your best option, you may be able to switch to a more inclusive insurance policy. Before doing so, compare the cost of a hot tub to the change in your annual premium amount to see if switching will actually save you money.

If you are injured in an incident caused by another person or business, and your doctor prescribes hot tub therapy for treatment and recuperation, consult with your attorney. The other party’s insurance company may be liable to pay for treatment, including the cost of a therapeutic hot tub. If injured in an automobile accident, your own car insurance may cover the cost of a hot tub under medical pay if the other party’s insurance will not.

In addition to a doctor’s written prescription, be sure to submit all other relevant medical test results, including X-rays, MRIs, and/or needle electromyography (EMG) reports, to your insurance company when filing your claim for coverage.

Disclaimer: This information should not be construed as medical or legal advice. For advice on which treatment may be best for your condition, consult a licensed medical professional. For advice concerning insurance claims, consult a licensed attorney.

Watch the following video to discover how Hot Tub Circuit Therapy in a Caldera® spa targets specific muscles groups for a complete, healing, full-body massage: