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Does Health Insurance Cover Rolfing ?


Yes -- you and your family can be reimbursed for Rolfing.  I don't process insurance claims, however, Rolfing Structural Integration is regulated under the massage therapy laws of Connecticut.  As a licensed massage therapist, I can therefore provide you with a receipt detailing what you paid and the applicable treatment codes, known as 'CPT' codes, correlating to the service provided.    


Please note that in order to get reimbursed, you must obtain, prior to any Rolfing treatment, a doctor's note (prescription / letter) specifying massage therapy treatment. Further to this, there are two ways to reduce the amount of your 'out-of-pocket' expenses for the sessions: (1) Get reimbursed directly through insurance provider and (2) using a Health Savings Account (also known as Medical or Flexible Savings Plans).


1. Get Reimbursed Directly Through Insurance Provider

With all the changes in the health care system, your insurance may or may not reimburse for massage therapy, so your first step is to check with your carrier and ask if they cover it, and if yes, under what conditions or circumstances will they reimburse. For example, and this may be typical these days, the insurance carrier may require you to have an M.D. write a letter authorizing or otherwise prescribing massage therapy. A doctor's "letter", as it is sometimes known, will include the doctor's diagnosis which must specify "ICD" code (e.g., M54.6 - Thoracic Spine --Myalgia). Some insurance plans may further stipulate that the massage therapy be performed by specific types of professionals, for example only by licensed physical therapists or only by licensed massage therapists, so it is recommended to get clear on such details.

2.  Eligible Expenditures from your Health Savings Account (HSA)
(also known as "Flexible Spending Accounts" or FSAs, "Medical Savings Plans", Medical Spending Account, etc) If your insurance doesn't reimburse for massage therapy or obtaining an M.D.'s letter is not achievable or practical, you still have another option if you have a Health Savings Account (HSA). The Affordable Care Act, (Obama Care) established a new uniform standard that, effective January 1, 2011, applies to HSAs certain "potentially eligible expenses."  ​

These plans allow you to set aside a portion of your annual income tax-free, to be used only for a set, defined list of health-related (e.g., medical, drugs, physical and mental therapy, dental and etc) expenses.  Plans such as these often cover massage therapy. Some do and so do not require a doctor's letter. 

Paying for Rolfing sessions using your HSA account funds would reduce your "net" cost -- by 25% - 39% -- depending upon your tax bracket.   Therefore, for a $160 session, if you are in the 33% tax bracket, your effective out of pocket outlay would be $107 -- a $53 saving.