When Relaxation Meets Regulation

“Can my doctor prescribe me a massage?” If I had a dollar for every time I’ve been asked that, I could probably open my own spa by now. Here’s the truth — while Medicare loves to cover things that keep you healthy, they draw a hard line when it comes to things that are considered “for comfort.” And massages? Sadly, those fall into the comfort category.

What Medicare Covers (and Why It’s Confusing)

Medicare does cover medically necessary physical therapy, occupational therapy, and chiropractic spinal manipulation — but it doesn’t cover “massage therapy,” even when prescribed by a doctor. So if you’re getting hands-on treatment for recovery or rehabilitation from an injury, and it’s done by a licensed physical therapist under a covered plan of care, it’s likely covered. But if it’s a Swedish or deep-tissue massage at a spa — even with doctor’s orders — it’s not.

Tip:

If you want pain relief without breaking the rules (or your budget):

• Ask if your Medicare Advantage plan covers chiropractic care, physical therapy, or acupuncture for pain management.
• Some plans now include alternative wellness benefits that help you find balance — literally and financially.

Bottom Line

If your plan includes relaxation, that’s a bonus — but the true magic is in choosing a plan that supports your whole health year-round.

Doreen Marino | 65+ Insurance Solutions | www.dmarinomedicare.com