Insurance

Urban BodyWorks accepts:

  • Workers Compensation
  • PIP (car accident insurance)
  • Workers Compensation
  • FSA and HSA
  • Cash, check, card, or Venmo.

WORKERS COMPENSATION: 

Injured employees receive a certain portion of their wages while they are off work for the treatment of such injury or illness, depending on state rules. States also establish their own rate of compensation when an employee loses a member, is permanently disabled or dies as a result of the work-related accident.

Employees who are injured on the job receive a certain portion of their wages while they are off work recovering and receiving treatment to heal. Oregon establishes their own rate of compensation as stated below from https://www.saif.com/medical/billing.html website:

“Payment for compensable medical treatment of an injured worker is made according to the Oregon fee schedule, MCO contract rate, or another negotiated rate, whichever is less.

Payment for services related to workers’ compensation is governed by the Workers’ Compensation Division (WCD) Medical Fee and Payment Rules, Chapter 436, Division 9.”

The following information is needed to begin:

  1. Claim number/subscriber ID
  2. Date of Injury (DOI)
  3. Referral and name of health care provider who wrote the prescription
  4. Adjustors name and phone number

 

PIP (PERSONAL INJURY PROTECTION):

Motor Vehicle Accidents (MVA) in Oregon:

In the state of Oregon, we have “personal injury protection” which allows $15,000 towards medically needed massage. Your automobile insurance will cover your massage therapy in full regardless of who is found at fault for the car accident. 100% of massage that is deemed medically necessary is covered IF you have an Oregon auto insurance plan. This coverage allows you to be treated for your sustained injury with a referral from the following: medical doctor, acupuncturist, naturopath, or chiropractor.

You can ask your health care provider for a prescription for medical-massage. A typical prescription is 1-2 massages per week for 3-8 weeks depending on the chronicity and severity of symptoms. Discuss with your health care provider on what the best plan is for you.

 

The following information is needed to begin.

  1. Auto insurance company’s name, address, and phone number.
  2. Adjustor’s name and phone number.
  3. Accident claim number.

 

Please note that medical massage is NOT a full body massage. It is area-specific with the goal to decrease pain, restore range of motion, and balance posture using manual therapy techniques. It is very effective in dealing with specific complaints ie: migraines, whiplash, low back pain, etc resulting from the car accident.

Manual therapy techniques include myofascial release, myokinesthetics, trigger point, soft tissue mobilization, lymphatic drainage, restorative range of motion techniques, and non-mechanical traction.

 

FLEXIBLE SPENDING ACCOUNT (FSA), also known as “FLEX PLAN”:

A FSA account is a great opportunity for those who are eligible to be fully reimbursed for the money they spent on massage and/or manual therapies.

Some plans require a letter of medical necessity for the IRS. Using you FSA saves you money by lowering your income taxes. The money you contribute to your FSA is deducted from your pay before Federal, State or Social Security Taxes are calculated. This means a decrease in taxable income and an increase in your spendable income. Most plans cover massage but it is best for you to call your benefits administrator to see if massage is an allowable expense and/or if you need a letter of medical necessity.

*Please note that attaining a quote of benefits and/or authorization does not verify eligibility or guarantee payment. Payment of benefits is subject to all terms, conditions, limitations, and exclusion of the member’s contract at the time of service.

Please call your benefits administrator for any questions for your specific plan.

 

HEALTH SAVING ACCOUNT (HSA):

A HSA takes pre-tax money from your paycheck and puts it in an account that is approved for medical spending. You will not pay taxes on this money which means you can save big on qualified expenses. Most HSA’s cover massage therapy but it is best for you to call your benefits administrator as each HSA can vary. Ask if you require a doctor’s letter of medical necessity before massage is covered.

An HSA takes pre-tax money from your paycheck and places it an account for approved medical spending, and in most HSA’s, massage therapy is covered! Because you never pay taxes on this money, you get significant savings on qualified expenses. You can use your HSA debit card to pay for your treatments. You can also use already set aside money for massage.

*Please note that attaining a quote of benefits and/or authorization does not verify eligibility or guarantee payment. Payment of benefits are subject to all terms, conditions, limitations and exclusion of the member’s contract at the time of service.

Please call your benefits administrator for any questions for your specific plan.