Issue link: http://cp.revolio.com/i/142672
insurance reimbursement and you By Christine Rosche One of the most common questions clients ask massage and bodywork practitioners is whether their treatment will be covered by their health insurance. What do you say? Based on my experience, the A claim is a formal request by an insured person for reimbursement for a covered loss. Insurance companies only pay for losses they have agreed in advance to cover. One recent trend in health insurance is for more and more employers to provide health coverage to their workers through prepaid group medical practices called HMOs and PPOs (health maintenance organizations and preferred provider be able to use you (the average billable hourly rate for clinical bodywork is $75–$95 per hour). Many clients could not afford your service without some type of insurance coverage. My experience shows that US consumers who have a medical diagnosis expect to be reimbursed for bodywork when it is part of a treatment program or meant to alleviate a particular medical condition. organizations). These structures are meant to reduce health-care costs by guaranteeing fees in advance and limiting the choice of physicians. Also, many health-care professionals want to send us clients. More and more bodyworkers work in medical settings such as hospitals, doctor's offices, and clinics. An increasing number of health-care professionals (doctors, chiropractors, acupuncturists, and osteopathic physicians) understand the important role we play in health answer is definitely maybe. Turning no or maybe into yes depends on your understanding of the health insurance system and how to make it work for you. If you do decide to take the plunge and go for insurance reimbursement (which I heartily encourage you to do), you should understand a few basic points about what insurance is and how it works. Insurance Basics All insurance, not just health insurance, is a pool of money put together by a large group to protect the individuals in the group against a financial loss caused by such events as accident, illness, or even natural disaster. The role of an insurance company, at least in theory, is to pool the money in the form of premiums paid in by individuals, keep it safe until needed, and pay it out to those who suffer losses. A policy is the formal agreement between the individual and the company as to how much the premiums will be, what losses are covered and other essential details. The Role We Play The big plus in getting insurance to pay for your service is much higher income and a wider, more stable practice, because more people will