Insurance Coverage Information

How to Get Your Insurance to Pay for Your Hot Tub:

Will the Insurance Company Pay the Entire Cost of My Softub? 

 If you are entitled, the insurance company will have to pay the amount required to purchase a Softub necessary for your treatment.  You should check your insurance policy to see if it excludes the cost of purchasing a spa/hot tub.  This does not mean that the insurance company must purchase the largest hot tub you can find.  After all, a hot tub that can accommodate nine people is not necessary to treat the injuries of one person. 

 

Health Insurance:  If a hot tub is prescribed by your physician to reduce back pain, hip, knee, joint, arthritis pain or to promote better circulation, a Softub may be covered by your medical insurance policy.  Check with your medical insurance plan for eligibility requirements.  To properly support a health insurance claim to pay for a Softub, you should consider obtaining the following:

1) A prescription from your doctor prescribing a hot tub.

2) Copies of medical records showing objective findings of an injury, such as X-Ray reports, MRI reports and "needle" EMG (by a neurologist) reports.

3) A report from your treating physician which summarizes your condition; states that the physician believes a hot tub would be of therapeutic value; why the hot tub is of benefit to you; and the prognosis or what the physician hopes the hot tub will accomplish.

 

Disclaimer: Discuss everything mentioned here with your accountant prior to deducting the expense of your Softub on your tax return. The information here is NOT tax advice.  

 

 

 

Medical Coverage From Third-Party Liability Insurance:  If you were injured in an accident for which you have a lawyer representing you for personal injuries, ask your lawyer to find out if the defendant's insurance policy has medical coverage.  If the answer is yes, you may be able to obtain payment for a hot tub from the defendant's insurance policy.  If there is no medical coverage, the cost of a hot tub can be added to the list of your damages and you may be able to obtain a higher settlement at the end of your case.

 

To properly support a third-party liability insurance claim to pay for a hot tub, in addition to 1-3 above, I would get 4)  a written report from your doctor stating "in my professional opinion, the patient's injury is causally related to the accident of (date of accident)".  "Causally related" are the magic words. 

No-Fault Insurance:  If you were injured in a car accident in a No-Fault insurance state, you may be able to obtain insurance coverage to pay for your hot tub if prescribed by your doctor.  A no-fault insurance company may deny the bill, however, if properly supported the bill should be approved.  To properly support a no-fault insurance claim to pay for a spa/hot tub, in addition to 1-3 above, I would get 4)  a written report from your doctor stating "in my professional opinion, the patient's injury is causally relatedto the accident of (date of accident)".  "Causally related" are the magic words. 

Automobile Insurance:  Whether or not you are covered by no-fault insurance, your car insurance policy may have an additional medical coverage provision also called "med pay" which will provide you with money which you can use to purchase a hot tub or spa.