How to have your Insurance Company Pay for your Infrared Sauna?

Will My Insurance Pay For My Infrared Sauna

Have you ever asked yourself, "will my insurance company pay for my infrared sauna?" . . . The answer is YES! If your doctor recommends the use of heat treatment as part of your health care, it may be possible that your insurance company will cover the expenses of purchasing an infrared sauna.

Will my Health Insurance Company Pay for my Infrared Sauna?

It may be possible to have your HEALTH INSURANCE company purchase your infrared sauna with your doctors recommendation. The use of heat therapy is a common course of treatment for many injuries and health issues, including Type II diabetes, chronic fatigue, arthritis, fibromyalgia, as well as back and joint injuries.

Your first step is to check your health insurance policy to see if it specifically excludes the purchase of a sauna. If a sauna isn't specifically excluded, there's a good chance that your health insurance company will approve the purchase, especially if you provide the proper documentation. But keep in mind, that if they do give you the green light, they will likely only pay for a single person unit. However, it may be possible to apply the insurance money to a larger sauna and pay the difference.

To have your insurance company pick up the cost, it will take a little bit of work on your part, as well as the cooperation of your doctor. But the time and effort spent is well worth the hassle, because if you are eligible, the insurance company will need to pay the amount needed to purchase your sauna. You just need to build a case to prove that it is a necessary expenditure for your health care.

Here's what you need to provide to your insurance company:

  1. A prescription from your doctor
  2. Medical records supporting your doctor's recommendation. Copies of your X-ray's, MRI reports, etc.
  3. A statement from your doctor discussing your condition. Why he/she feels a sauna would benefit your care. This should also include the outcome he/she is seeking from the treatment.

Will Someone Else's Insurance Company Pay for My Infrared Sauna?

Infrared Sauna Insurance Coverage

If you were injured in an accident caused by someone else, it may be possible to have their insurance company pay for your infrared sauna. This would be considered, MEDICAL COVERAGE FROM A THIRD-PARTY LIABILITY INSURANCE.

​Have your attorney inquire if the defendants insurance policy covers the expense of an infrared sauna. However, even if their insurance policy does not have medical coverage, if a settlement is involved, the sauna expense could be added to the list of damages, thus, increasing the settlement amount.

​If an infrared sauna is necessary to treat the injuries you received due to the accident, here is what you need to do to build your case. The following information should be provided:

  1. A prescription from your doctor.
  2. Medical records supporting your doctor's recommendation. Copies of your X-ray's, MRI reports, etc.
  3. A statement from your doctor covering your condition, and why he/she feels a sauna would benefit your care. This should include the outcome he/she is seeking from the treatment.
  4. A letter from your doctor stating "in my professional opinion, the patient's injury is causally related to the accident of (date of accident)" - it is important that the words "causally related" are used.

Will my Auto Insurance Company Pay for my Infrared Sauna?

Insurance Coverage for Infrared Sauna

If your injuries were the result of a car accident, you can check your AUTOMOBILE INSURANCE policy to see if you have additional medical coverage included. There is a medical coverage provision called "med pay" that could be used to purchase a sauna.

Currently there are 12 states that have NO-FAULT INSURANCE laws. If you live in Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah, you may be able to receive insurance money for the purchase of a sauna. Be sure to provide the information in the 4 steps (listed above) to ensure that you have adequate documentation in supporting the need for an infrared sauna in the treatment for your injuries.

You may need to spend some time gathering supporting documents to build a case for yourself, but it is absolutely possible to answer the question, "will my insurance company pay for my sauna?" with a big YES! If you are willing to do a little bit of work, it can definitely happen!

Reference: www.hurt911.org