Med Pay (Part 2)

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Are all auto insurance Med Pay options the same?

No, they definitely are not. There are some auto insurance companies that do not allow for Massage Therapy even if you have Med Pay. Some do not feel it is an actual medical treatment. (See later posts for more information.) Some say they will cover it but only if it is performed by a Medical Doctor, Physical Therapist or Chiropractor. Which is funny since I have yet to meet the physician that will perform massage therapy.

Some will cover it but require that you have a referral from a Medical Doctor or a Chiropractor.

It is very important to understand the benefits you have with your auto insurance. Talk to you insurance adjustor to get clarification. In our experience, working with the insurance company after an accident is never fun, however, in our experience there a couple that are better than others. Liberty Mutual and AAA are usually the easiest to work with and have very competitive rates. We know for a fact that Mercury, which is a low cost insurance company, does not cover Massage Therapy under their Med Pay insurance.

We at Body Fix Therapies hope that no one is ever in an accident, but just in case we want to help you be as informed so you can protect yourself and your loved ones as much as possible.

We are always available to answer any questions you have and help you through the process. Just give us a call at 916.488.4223.

About the Author

Kym has been practicing massage therapy for 17 years. She graduated from the Northwest School of Massage in Seattle, Washington in 1996 and immediately went into medical massage therapy, treating auto accident injuries and working with physicians treating soft tissue dysfunctions. Throughout the years she has developed a unique technique that breaks the soft tissue holding patterns that develop from years of imbalance and cumulative minor injuries. She works to “reprogram” the muscles and connective tissue from the positions and habits that keep them out of balance and makes them prone to injury. She uses a combination of long, slow trigger point pressure, myofascial release, and range of motion techniques to retrain the body. This approach has both immediate and long term, long lasting effects. While her style is definitely therapeutic more people fall asleep during these sessions than during a Swedish massage. Come see the difference with Kym!