Many hot tub owners use their spa for therapeutic purposes ranging from treating chronic pain, arthritis, fibromyalgia, insomnia, and other ailments*. If you suffer from an illness/syndrome that can be treated with the use of a hot tub, with the right health insurance policy, your provider will cover the cost by 40% or in full.
Now, just because your insurance provider is going to cover the cost of your hot tub, doesn’t mean you are going to get the top-of-the-line hot tub with all the bells-and-whistles. Be realistic when selecting your model. Also, your insurance provider will have a say in the matter. A hot tub that can accommodate more than 5 people isn’t a make-or-brake matter for treatment. After all, its primary use will be therapeutic: not for social gatherings.*
The first step that needs to be taken to have your health insurance reimburse you for the purchase of your hot tub, is for your physician to prescribe hydrotherapy to treat the condition you suffer from, copies of medical records such as: X-Ray reports, and MRI reports. Here is a list of some the conditions that qualify to receive a prescription*:
- Joint pain
- Chronic pain
- Poor blood circulation
- Multiple sclerosis
So, the answer is: yes; yes you can purchase a hot tub through your health insurance provider. If you suffer from a condition that can be treated with the use of a hot tub, be sure to take advantage of the program.Talk with your provider today to see if you qualify for your hot tub purchase to be considered a medical expense.*
For more information, CLICK HERE to read Publication 502 from the Department of Treasury, Medical & Dental Expenses.