Clear information about insurance, auto claims, and billing—so you know what to expect before your session.
Insurance coverage for massage therapy can be confusing, and policies vary widely between providers and plans. This page is intended to clarify what Wild Hart Massage can and cannot offer regarding insurance, auto claims, and billing. While we are happy to support clients navigating these systems, coverage decisions are ultimately determined by insurance providers and are outside of our control. Insurance billing applies only to services provided directly by the credentialed provider.
Wild Hart Massage is a licensed clinical massage therapy practice focused on treatment-oriented bodywork. We do not bill insurance directly but can support clients in submitting documentation for reimbursement when appropriate.
Wild Hart Massage is currently in the process of becoming paneled with Blue Cross Blue Shield of Oregon. Once credentialing is complete, insurance billing will apply only to sessions provided directly by the credentialed massage therapist.
Other massage therapists working with or alongside Wild Hart Massage may not be credentialed with insurance providers and therefore cannot accept insurance billing at this time.
Insurance coverage for massage therapy depends on several factors, including:
Because coverage varies by plan and provider, insurance reimbursement cannot be guaranteed.
Wild Hart Massage can accept auto claim cases when all required conditions are met and when services are provided by the credentialed provider. Auto claim acceptance is dependent on:
Auto claim coverage applies only to eligible providers and approved services. Sessions provided by non-credentialed therapists may not be eligible for auto claim billing.
Clients remain financially responsible for sessions if a claim is denied, delayed, or partially reimbursed.
A superbill is an itemized receipt that contains specific information many health plans require for reimbursement. It includes service dates, descriptions, charges, provider information, and diagnosis codes when applicable. Superbills may also be used for HSA or FSA reimbursement when massage therapy is considered a qualifying medical expense.
When using a superbill, clients pay the full session rate at the time of service. After the session, the superbill is submitted directly to the insurance provider by the client.
If the insurance plan includes massage therapy benefits, the insurance company may reimburse a portion of the cost according to the terms of the plan. Reimbursement amounts vary and are determined entirely by the insurer.
Importantly:
For example, if a client pays $195 for a 90-minute massage session and submits a superbill:
Superbills are offered as a courtesy to support clients navigating insurance systems, but they do not change payment responsibility.
All sessions must be paid in full at the time of service, regardless of whether a superbill is requested or submitted. Any reimbursement received from insurance is paid directly to the client by the insurer.
Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are personal, tax-advantaged accounts that some clients use to pay for qualifying medical expenses. Under IRS guidelines, massage therapy may be considered an eligible expense when it is part of treating a specific medical condition rather than general wellness or relaxation.
At Wild Hart Massage, clients may be able to use HSA or FSA funds for treatment-focused massage when appropriate documentation is in place. Eligibility and approval are determined by your individual plan and account administrator, not by the massage provider.
Many plans require a brief note or prescription from a medical, dental, or chiropractic provider stating that massage therapy is medically necessary for a specific condition. Requirements vary by plan.
Wild Hart Massage does not submit claims or determine benefit eligibility, but we are happy to provide clear documentation to support reimbursement when applicable. Clients are responsible for confirming coverage and eligibility with their plan administrator prior to their appointment.
We are happy to support clients by:
However, we cannot:
Insurance providers ultimately determine coverage, eligibility, and reimbursement.
Payment is due at the time of service unless otherwise arranged and approved in advance. Clients are responsible for all session fees regardless of insurance reimbursement status.
If an insurance provider denies or partially reimburses a claim, the remaining balance is the client’s responsibility.
If you have questions about whether massage therapy may be covered under your plan, we recommend contacting your insurance provider directly. Asking about:
This can help clarify expectations before your session.
You are also welcome to reach out if you have general questions about our billing process.
Insurance billing applies only to services provided directly by the credentialed massage therapist and does not extend to sessions with other practitioners.
Wild Hart Massage does not bill insurance directly and does not determine eligibility, guarantee reimbursement, or handle claims or benefits on a client’s behalf. Clients are responsible for verifying coverage and eligibility with their insurance or HSA/FSA plan administrator before appointments.
