Will Insurance Pay for a Massage Chair?

Using insurance for a massage chair

Getting a health insurance plan to pay for a new massage chair can be challenging but, for many people, it is possible to get your new massage chair – or at least a portion of the cost – covered under certain benefit plans.

Yes you read that correctly, a medical massage chair covered by insurance could be in your future. 

Does Insurance Cover Massage Chairs? Maybe

Because the health insurance market has become so stringent on what is and is not covered, you might have to fight to get your plan to cooperate. But, even if your health insurance will not cover the cost of a massage chair, you may have other options for offsetting the cost of this worthwhile purchase.

Medical Massage Chair – Using a New Massage Chair to Help Meet Your Deductible

Some health insurance plans may allow you to apply the cost of a therapeutic massage chair against your annual deductible. Typically, this requires a doctor’s prescription for the therapeutic chair. Also, the insurance company will usually require that the chair be considered DME (durable medical equipment) under the plan terms.

To determine whether this is a possibility under your plan, talk to your benefits administrator or research the benefits and terms of your healthcare plan. You can also talk with your care provider to see if they can offer insight into how to get a massage chair covered under insurance.

Can I Buy a Massage Chair with my HSA?

If you have a flexible spending account (FSA) or health savings account (HAS) as a part of your medical benefits plan, you may be able to get reimbursed for some or all of the cost of a therapeutic chair.

If you can utilize these benefits for your purchase, you will derive even more financial benefit from the purchase because, in most cases, the money you deposit into your FSA or HSA typically goes in pre-tax. In other words, you won’t have paid income tax on the money you used to purchase your new chair.

Is a Massage Chair Tax Deductible?

In some cases, you can take a tax deduction for a physician-prescribed therapeutic chair purchase. Not everyone qualifies for a massage chair tax deduction, but your CPA or tax preparer can help you determine if this is possible for you. If you do qualify to take a deduction, you could reduce your income tax liability significantly.

It may also be possible to have the sales tax waived on a chair purchase (depending on the sales tax laws in your area) if the equipment was prescribed by a medical professional.

Even if none of these options apply in your case, you can find more affordable ways to get the relief you need. For example, you can finance your purchase and pay for it over time. If you do your research, you can even find zero-interest massage chair financing programs.

Massage Chair Relief has teamed up with Synchrony Financial to offer a deferred interest program that allows up to 48 months for you to pay off your new chair. If you qualify – and our program can get you an approval in less than five minutes! – we handle the entire process for you, including processing your order with the finance company. In no time at all, you’ll be enjoying all the pain and stress relief the doctor ordered, with a new therapeutic massage chair.

6 Replies to “Will Insurance Pay for a Massage Chair?”

    1. Hi, Joe
      Thanks for reaching out. You would need to call your HSA administrator (phone number should be on the back of your HSA card) to find out what you need to do to get them to pay for it. They usually will approve it, but they will most likely have you pay for it and then reimburse you once you have submitted your receipt. But, call the administrator to be sure.
      dr. w.

  1. Hi my name is carmen i suffer alot. Off pain on both legs ihave 3 hernia disc i have united health care with. Medicare how can i quafity for a new message chair for my apt to put in use iam stress out with lower back pain due to 3 hernia disc i have also a balance problem can i please get and answer sincerly ms carmen email address is [email protected]@gmail.com

    1. Hi, Carmen
      Thanks for reaching out. I am sorry for your suffering. Unfortunately, I have not seen general insurance pay for a massage chair. You would have to contact the insurance company to see if there is a chance. I suspect they would also need a “prescription” from your doctor.
      dr. w.

      1. Hi Dr.Weidner. my dad has CIDP neuropothy pain and I know his doctor would prescribe a chair, but he has Kaiser insurance and Medicare pays for it. Not to ask the same queation as the woman above, but because its Kaiser insurance, with a script.. do you think they would cover it?

        1. Hi, Joshua
          To date, and I’ve been in this industry for 15+ years, I’ve never seen a general insurance or Medicare pay for a massage chair…and I’ve had a lot of customers trying to get it covered. I don’t know about Kaiser specifically, but I would not expect too much from them in terms of coverage, if anything at all. I have seen customers who have auto accident or work injury insurance have their chairs paid for by those insurances from time to time, but even those are few and far between. I wish I could give you a more promising response, but that is my experience.
          dr. w.

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