How To Get Insurance to Pay For Your Hot Tub Therapy

Your Hot Tub Healing Might Be Insured

If you are ill or injured, hot tub therapy might be just what the doctor ordered. And if your doctor orders it, chances are good that insurance will pay for the equipment.

Unless your health insurance policy excludes the purchase of a hot tub, a prescription from your physician to promote better circulation or to treat back, hip, knee, joint or arthritis pain probably means you’re covered.  Check the plan for eligibility requirements.

In addition to the prescription, you should get copies of medical records that show objective evidence of the injury, such as X-ray, MRI or needle EMG reports. Your physician also can provide a statement that summarizes your condition and states his/her opinion that a hot tub would be of therapeutic value, why the tub would be a benefit, and what they expect the treatment to accomplish.

If you were injured in an accident caused by someone else, ask your personal injury lawyer to see if the other person’s insurance will pay for a hot tub for your treatment. If not, the cost could be added to the damages claim. Even in a no-fault insurance state, a properly supported bill should be approved. In addition to the documentation you’d provide your own insurance company, ask your doctor for a written statement that says, “In my professional opinion, the patient’s injury is causally related to the accident.” “Causally related” are the magic words.

Also, if you are not otherwise covered, check your car insurance policy to see if you have medical coverage, called “med pay,” that could help you buy a therapeutic tub.Buy the SmartTop hot tub cover now!

The insurance company is responsible to pay for a tub only large enough to treat one person, but the money could be enough to help you buy a larger tub that doesn’t cost much more. You deserve the medical benefits that come from hot tub treatments and help restore you to health.

At Olympic Hot Tub we have had many customers purchase hot tubs for therapeutic treatments with insurance money.  There are so many aliments for which a hot tub can be beneficial in recovery including chronic fatigue, fibromyalgia, arthritis, Type II diabetes, automobile accidents, stroke recovery, and traumatic brain injury.  It never hurts to ask!

One last caveat:

Can you deduct the cost of a hot tub when you have been reimbursed by an insurance company for the cost?

No. You should note that if you obtain payment from an insurance company to purchase your hot tub, you cannot also deduct the cost of the hot tub on your tax return.  If you deduct the cost of your hot tub on your tax return and in the next year obtain reimbursement from an insurance company, you would then have to declare that reimbursement as income on your next year’s tax return.

All of the information from this post comes from the website The Center for Accident and Injury Insurance and is used with permission.  The founder of this site,Philip L. Franckel, Esq. of  Roslyn, NY also recommends products for physical therapy including a Hot Spring Spa.  If you’re in the market for a hot tub, read his story.

Disclaimer: This information is not tax advice. Check with your accountant about any hot tub related impact on your tax liability. Nor is it medical advice. Your physician is the one to answer your questions about a hot tub for your disability treatment.

SANUM PER AQUA. Latin for Health through Water


How to Claim Your Hot Tub as A Medical Expense Deduction on Your 2011 Tax Return

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27 Responses

  1. george pullen

    hi i found this web and thought to give it a try. i am 53yrs on SS disability my income is limited my doc said a hydro therapy hot tub would be benifishal to my condition i am looking for a way for Social security to flip the bill for this? is it possible?

  2. Hello George:
    I am sorry to say that I have not heard of Social Security paying for a hot tub. Insurance, yes.
    You may be able to find a used one from a reputable dealer that has been refurbished to high standards.
    such a hot tub will likely be very reasonable to own & operate.
    Best wishes,

  3. can you tell me what codes to submit to the insurance company either icd 10 or cpt i have the dx and all the other stuff from the provider, bcbs wants me to submit the code

  4. Sorry, Gail. I do not have the codes for your insurance..don’t even know which nsurance company you have.
    Try asking them.
    Good luck.

  5. I have 3 lower herenated discs from an industrial injury that cannot be surgically fixed and all nerves going to legs are being pinched would I be a good canidate for labor and industries to pay for a hot tub for therapy.

  6. I need help if my doctor writes a prescription for a hot tub or sauna or hot wAter pool. I’m o disability and Will they help me to get my life back An just try to fill better will they helping me

  7. Hello Alan:
    So sorry to hear that you are in pain.
    Whether or not L&I agrees to buy you a hot tub, even though you may really need one,depends on many factors. I can’t begin to tell you
    what you’d need to do. A good doctor who understands your pain and the value of hot water therapy would help.
    I will say that some of the people who were successful in getting a home hot tub through insurance were those who had to go
    for outpatient physical therapy with a whirlpool on a daily basis. After a time, the insurance company figured it would be less expensive
    to buy one rather than pay so much on a daily basis.

    Good luck in your search for pain relief!

  8. Hello, I am interested in seeing if my father’s insurance would cover one of your hot tubs for him. He has multiple diseases; MS, rheumatoid arthritis, degenerative disk disease etc. His doctor said that if he found a place willing she would write a prescription for him. I’m just wondering if you have a phone number; I’m located in upstate NY so the stores provided are too far. Thank you very much!

  9. Hello Ashley:
    Thanks for writing.
    I’m sorry to hear that your father has so many health issues.
    I would suggest working with his insurance company first after you have a prescription.
    When the insurance company gives you the go ahead (and I hope they do quickly), go too
    Put in your address to find the dealer nearest you.
    Good luck & best wishes,

  10. Will Medicaid cover a swim spa?

  11. Is there a location closer to where I live in Lewiston, Idaho to purchase this hot tub?

  12. My fiancee is a disabled veteran (100% p&t) also receives ssd. Can he get financial assistance?

  13. Hello Roxanne:
    Thanks for checking into the blog.
    Don’t know the answer to your question. I’m sure it all depends on his situation.
    Start asking insurance and the VA.
    You might have success.
    Good luck.
    Wishing you both the best,

  14. Hi Theresa:
    Thanks for stopping by the blog.
    There is a Hot Spring Spa dealer in Lewiston.
    They’re great people.
    I’m sure you’ll enjoy your shopping experience with them.
    Happy hot tubbing,

  15. Hi Lori:
    Thanks for stopping by the blog.
    Medicaid for swim spa? I don’t think so.
    Good luck.

  16. Hello Patricia:
    Thanks for stopping by the blog.
    The only thing you can do is try. Talk to your doctor and your insurance company.
    Best of luck to you,

  17. AK

    Do you have any specs on how much it costs to run (energy usage etc). We have been trying to look for one to help with my medical conditions but we can usually find this information pretty easy. Then I found this and was hoping to find out the same. Thank you.

  18. Joe

    Hi I suffer from intense pain in my back and neck migraines and arthritis I have Medicare and Medicaid in Alabama would they cover a hot tub

  19. Hello Joe:
    Sorry to hear you are in so much pain.
    All you can do is ask. You will need a doctor’s prescription for hot water therapy.
    Hope this works for you,

  20. Hello AK:
    Thanks for writing. I don’t know where you live so can’t say off the top of my head as rates vary across the country. There is an energy calculator at this link: If your city is not listed, contact your nearest Hot Spring Spa dealer who can help you figure out energy useage, cost per KWH and the average monthly cost.
    Where ever you live, it will be lower than other brands because of the energy saving features built in.
    Best wishes,

  21. Looking for a hottub that is environmentally friendly for year round use in Cooperstown NY.

  22. I was diagnosed with crohn’s disease and depression. I am no longer able to work so i no longer have private insurance. I am now on Medicaid. Do you think they would cover a therapeutic spa?

  23. Hello Gioya:
    Best place to start is 21st Century Pools & Spas in Oneonta.
    They carry Hot Spring Spas which are the highest rated for energy efficiency and water care that’s eco-friendly.
    Be sure to take a test dip to determine the best one for you!!
    Happy shopping,

  24. Hello Mike:
    I truly doubt that Medicaid would pay for an at home therapy spa for Crohn’s and/or depression Those are two ailments not known to benefit from hot water therapy.
    Usually insurance has covered auto accident recovery, severe arthritis or other painful joint and muscle ailments.
    You could try, though. You will need a doctor’s prescription before beginning your appeal.
    Good luck to you!

  25. I Was wondering if insurance will pay for a therapy hot tub, for my RA. Although i can tell you went ahead and called my insurance and they told me well we do not pay for any water therapy but would cover hydrotherapy but with certain restrictions such as it would have to come direct from a Physical Therapist.. Could you please guide me threw what I’m suppose to do??

  26. HI Amanda:
    I’m not an expert in insurance.
    I do know that you will need a doctor’s prescription for daily hot water therapy.
    Start there before you approach your insurance company.
    RA is painful. I wish you luck in getting the hot water therapy you need.

  27. I have a question for Roxanne that said her fiancé is 100 percent disabled veteran. My husband is also, he has spine and nerve damage and is in constant pain. Were you able to get a hot tub cover d through the VA or SS

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