When selecting a health insurance provider, it is not uncommon for an individual to wonder, "Does health insurance cover gym memberships?" In order to explore this fundamental issue it may be necessary to analyze your health insurance plan.
Standard vs. High Option
Depending on what you are looking for in a health insurance plan, you might find that there are features within the high option that are not available in the standard option. More often than not, you will find that rival insurance companies will have reimbursable features that may not have normally been available ten or fifteen years ago. It is appropriate during open season to ask "Does health insurance cover gym memberships?" of the carriers. Additionally it is imperative that you compare the standard option and the high option to better discern if either presents the services that you are looking for.
Traditional vs. Non Conventional Services
Nowadays it is not uncommon to find a health insurance plan that has special features offered to its plan members. Sometimes you might notice that health plans now offer coverage for non-conventional or alternative medicine such as acupuncture, acupressure, physical therapy, and chiropractic care. Additionally, mental health services are now commonly covered as well. Traditional insurance coverage normally did not cover those services that were considered wellness services.
Gym Membership and Related Services
Depending on the insurance carrier that you have, you may find that they do cover gym membership as a reimbursable service. This means it is very important to ask if health insurance cover gym memberships. For instance, some insurance carriers may consider gym membership an alternative medical service or a preventative service. Check with your carrier for details. What will end up happening is that there may be a stipulation to the amount of times that you can go to the gym in a six month period or to how much your gym can cost or there may be just a reimbursable program.
Doctor's Visits, Physical Therapy, and Gym Membership
There may be a connection between the physical therapy visits that your insurance company may cover as well as gym membership. You may be able to get a prescription for the gym membership. For instance, if your doctor recommends that you do a certain workout regimen to combat heart disease and obesity, and this becomes a part of your medical care, then there is a better chance it will be covered by insurers. Additionally, if you find that you need physical therapy, then a gym membership could factor into the overall treatment plan.
So Does Health Insurance Cover Gym Memberships?
The answer to this question all depends on the type of health insurance that you have. If you are covered by a more traditional insurance, then chances are that gym membership may not be covered. However, more and more insurance companies are seeing the value in preventative care for their members.
If your physician sees a gym membership as a preventative care measure then there is a strong possibility that an insurance company just might provide coverage for a gym membership. Additionally, if your physician wrote a prescription for some part of the membership the insurance company may be more apt to cover the membership. It may be warranted that the insurance company sees that having a gym membership is a major part of a treatment plan. If so, then you may get reimbursed for your gym membership.
The best way to know for sure is to review the websites of several insurance companies prior to calling them. Make sure that you read all of the fine print. You might even consider going to the frequently asked questions section of the insurance company's website and checking to see if the words "gym membership" are referenced. You may also consider calling the customer service number of the insurance company and ask how alternative therapies such as gym memberships are covered. One way or another you should be able to get all of the information that you need regarding all issues relative to gym membership and insurance coverage.