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.
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 Hurt911.org 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