Will Medicare Pay For A Hot Tub?
Are you over the age of 65 and on Medicare?
If so, now might be the best time to get a hot tub into your life. Hot tub therapy provides a number of benefits, both physically and mentally. Not only is hot tub therapy great for relaxation, but it can also help aid aching muscles and bones.
One question that we get asked pretty often is “Will Medicare pay for a hot tub?”
Come with us as we go through the considerations Medicare makes when deciding whether or not someone qualifies for a hot tub
Is A Hot Tub A Medical Necessity?
The main thing that you want to focus on when sending a letter out to Medicare health insurance is that a hot tub is a necessity.
It is important to list and get proof of your medical ailments, which constitute the need for a hot tub, including, but not limited to:
This letter should include all relevant medical data, tests, doctor’s appointments, etc. If you are as thorough as you can possibly be, you will increase your chances of your health insurance getting you that new hot tub!
Examining Your Medicare Coverage
Does your Medicare insurance coverage mention anything about hot tubs?
If your Medicare insurance has a specific “no to hot tubs” policy, you might want to consider switching Medicare coverage plans if having one means a lot to you. Of course, examine the price of your desired hot tub vs. the cost of a new Medicare coverage plan to see if switching to a different insurance policy is a practical option.
Even if your hot tub doesn't receive Medicare coverage, it may cover all of the necessary bully points for you to claim it as a tax deduction.
Can You Get a Prescription For A Hot Tub?
Absolutely. If you and your doctor have discussed your ailment and he or she provides you with a prescription to get a hot tub or swim spa to alleviate that ailment, that prescription is completely legitimate.
How Do You Get A Hot Tub Covered By Insurance?
The answer to this question is dependent on your health insurance company and the specific health coverage plan that you have.
If your doctor has prescribed you with a hot tub to help treat a legitimate medical condition, your health insurance policy might pay the price for a new one. With that said, some health insurance policies are very specific in excluding hot tub coverage from their policies.
If your insurance company denies your request, though they haven’t directly ruled out hot tubs from their policy, you may be entitled to file a claim.
To find out whether or not Medicare will pay for your new hot tub, you need to send them the proper documentation and your doctor’s opinion in your request letter. The information in the letter should include:
Remember, the more specific you are, the better the chance you have at success.
Is A Hot Tub Considered Deductible Medical Equipment?
Whether or not Medicare can pay for your hot tub, if you have a doctor’s prescription, it is likely that you may be able to turn your hot tub into tax deductible medical equipment. It is important, however, that you satisfy a few conditions of the IRS.
For starters, you must get a written recommendation from your doctor. Secondly, you must also provide the costs of your medical equipment and medical expense. We recommend looking at IRS Publication 502 for any other information regarding medical expenses.
Does A Hot Tub Help With Fibromyalgia?
Yes. In fact, there are numerous ways that a hot tub can help someone manage their fibromyalgia. Hot tubs can help to reduce disturbances in sleep, which will help to lessen the overall fatigue that comes with fibromyalgia.
Hot tubs can also reduce soreness and stiffness in the muscles, both of which can intensify the symptoms of fibromyalgia. Warm water can help to improve blood flow and ease tension in your muscles, as well as prepare the body for sleep by raising the core temperature before letting it drop into a relaxed state once you have left the hot tub.
If you suffer from fibromyalgia, we highly recommend speaking to your doctor to see if having a hot tub is right for you.
Will Medicare Approve A Hot Tub Request?
Medicare may be able to pay for your hot to depending on your insurance policy. What is important to remember is that it doesn’t cost you a cent to ask!
It is important that you provide Medicare with any relevant medical evidence, as well as a list of past illnesses or ongoing conditions. The more specific you are with your insurance company, the better.
Even injuries from many years in the past might still be the cause of your chronic pain in your neck or back today. Of course, you’ll need to have thorough documents of that injury or accident.
Make sure to cooperate with your doctor and Medicare and be patient. Who knows, Medicare may cover the cost of a brand new hot tub for you!