Question: Do you take credit cards?
Answer: I can accept major credit cards (MasterCard, Visa, American Express and Discover) securely through my Square App. I do not record or retain your credit card information. I now have a chip card reader, for increased security. The Square App can send you a receipt via email or text as soon as your payment is processed. Just in case you don’t receive it (for example, if you have paid someone with Square before, using a now-defunct email), I can retrieve the receipt, which does not contain your credit card number, and provide it for you. Please note: If you pay with a credit card, the transaction may appear on your statement with a Merchant name beginning with the letters “SQ” and then some other letters or numbers. This just indicates that it was a Square App transaction.
Although I prefer cash or check, I am most happy to use whatever payment method is most preferable or convenient for you. I always appreciate your business!
Question: Do you take health insurance?
Answer: As a Certified Massage Therapist (CMT) in private practice, it is not legal for me to accept health insurance as I am not working out of a doctor’s office, and I do not diagnose medical conditions. I am not able bill insurance companies without the required medical codes. However, I would be happy to assist you with possibly applying your payments toward your tax-deductible medical spending account (FSA/HSA) if they meet certain requirements according to IRS regulations and your particular plan (please see the question below).
Question(s): Can I pay for my treatments with my FSA/HSA credit card? And can I apply the cost of my treatments to my FSA/HSA account?
Answer: As convenient and tech-friendly as the Square app is, it does not allow me to set up a merchant account (which requires the conventional credit card-processing hardware) that would recognize me as a health care provider when I swipe your card or read the chip. The payment may be accepted initially if you attempt to pay with an FSA/HSA card, but your plan will eventually reject the claim and you will have to reimburse them.
However, there is some good news. Keep in mind that this is in no way meant to be construed as tax advice as I am not a certified tax professional. You will need to check with your plan and IRS regulations regarding your specific condition. If you have sustained a soft tissue injury, you can take the following steps to get, in CERTAIN cases, the ability to apply the amount you paid for some or all of your treatments for your injury toward the money you set aside in your FSA/HSA account.
First, you need to go to your plan’s website and print out a letter of medical necessity to be filled out by your doctor detailing the specifics of your injury and the soft tissue treatment that is required. Once the doctor has completed the letter, submit it to your plan and get their approval first if you want to be sure that the treatment(s) I provide for you will be accepted by them.
For more information about IRS regulations, Click here
Click here for information from one Flexible Spending Account program regarding their requirements for “massage” reimbursement. This is just meant to serve as a helpful example of what might qualify under a typical program.
Question: I was in a non work-related accident, and a third party insurance covers my treatment. Can’t you just bill them directly?
Answer: Based on my experience, the way it works is that the third party insurance is responsible for reimbursing YOU, the injured party, directly, for the treatments you require to heal from the injury/injuries sustained in the accident. As a massage therapist, I am not allowed to bill them directly. So what you need to do is see a physician and get a prescription for soft tissue treatment/medical massage, specifying the type of injury, the areas that need treatment, and the number of treatments you require. It is best to contact the insurance company in advance to determine exactly what information you need from the doctor to qualify for reimbursement. Once the prescription or letter of medical necessity is approved, you can contact me for treatment. You will be responsible for paying for your treatment at the time of service, and if you know you will need a certain number of treatments you have the option of purchasing a package (please Click here to view rates). It is also a good idea to check with the insurance company as to how much they may typically reimburse per treatment session. It is not a necessarily a given that they will always reimburse the full amount. It is usually based on the average for the demographic area. My rates are extremely reasonable for the type of service I provide, but my packages lower the cost of each session, which would increase the likelihood that you would get fully reimbursed. It usually takes at least a few weeks, and in the worst cases months, to get your reimbursement.
To purchase a package, you pay up front in order to get heavily discounted rates on your treatments, but I will provide you with an itemized receipt when you have completed your course of treatment that breaks each session down by date and the “average” that you would have paid for that session based on the total amount paid. My goal is to help you as much as possible. Please let me know if you have any specific concerns.
Note: Sometimes there is a cap on how much a third party insurance will pay out for the total cost of treatments you receive. So if you are receiving chiropractic care, acupuncture, or other treatments that are being billed to that insurance or that you are planning to claim, keep track of the total so that it does not exceed the maximum if there is one.
Finally – this is important! If you are the victim of any kind of non-work related accident, such as a car accident, make sure you see a medical doctor soon afterward even if you are not experiencing much if anything in the way of symptoms. The reason for this is that, even if the doctor finds “nothing wrong” at the time, you have established a paper trail that will serve you well later on, should you feel the need to seek treatment. For example, many whiplash victims do not start feeling the effects of their trauma until at least a couple months or more have elapsed, and by the time they visit a therapist for treatment, the third party insurance company may find grounds to deny them coverage based on the fact that they did not seek any treatment immediately after the accident. They will try to make the argument that the symptoms you are experiencing could be the result of something unrelated that has happened since. So even if you are hit in a minor fender-bender, it is not a bad idea to visit your doctor. It is surprising how seemingly minor traumas can come back to haunt people later on- I have seen it many times in my practice!