What is covered through my insurance?

Insurance covers sessions in the duration of units. The most a session can be is 4 units which is typically 12-13 minutes per unit. If we are working on one specific issue, the most that can be covered is 2 units.

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Insurance coverage varies by individual plan, so we encourage you to contact your insurance provider directly to confirm whether massage therapy is covered when provided by a Licensed Massage Therapist.

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While Inner G is in-network with select insurance plans, coverage cannot be guaranteed and depends on your specific policy terms. Some plans may offer coverage for medically necessary massage therapy, including care related to chronic illness or pain management, pre- and post-operative support, and prenatal or postnatal conditions—when medical necessity is approved.

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Our team is happy to help guide you through the verification process and determine the most appropriate path for your care.

Is massage therapy covered by my insurance?

Some insurance plans offer coverage for massage therapy, but many have specific limitations. Common requirements and exclusions may include:

• A documented need for medical necessity

• Coverage only when massage therapy is provided by or billed under a medical provider, such as a physician (MD), chiropractor, or physical therapist

• Exclusion of massage therapy when services are rendered directly by a Licensed Massage Therapist (LMT)

Even if Inner G is in-network with your insurance plan, your individual policy may not include coverage for massage therapy services at our location. For this reason, we strongly recommend contacting your insurance provider directly to confirm your benefits and any provider-specific limitations.

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Our team is happy to assist with guidance and next steps to help you determine the best path for your care.

Do I have to schedule an Initial Care Consultation?

An Initial Care Consultation is required for most commercial insurance coverage requests, as it allows our team to verify your benefits, determine medical necessity, and review any referral or prescription requirements specific to your policy.

An Initial Care Consultation is not required if:

• You have an approved VA referral

• You are booking using the Choice Health Living discount program

• You are choosing to self-pay with HSA/FSA card

When a consultation is required, it includes a comprehensive intake, insurance verification, care guidance, and a 15-20 minute therapeutic relief session—so you still receive hands-on care while we clarify next steps.

If you’re unsure which option applies to you, our team is happy to help guide you toward the most appropriate path for your care.

Do I need a prescription referral?

A prescription or referral may be required depending on how you plan to receive care.

• Commercial insurance plans require a referral or prescription to establish medical necessity for massage therapy at Inner G.

• VA referrals are required and must be obtained directly through the VA prior to scheduling.

• A referral is not required if you are booking through the Choice Health Living discount program

• A referral may be necessary when choosing to self-pay with an HSA/FSA, which is determined by your policy.

Because requirements vary by policy and program, our team can help clarify what is needed and guide you through the appropriate next steps.

Why is an Initial Care consultation required for insurance requests?

Insurance coverage for massage therapy varies widely by plan and often depends on specific requirements such as medical necessity, provider type, and referral documentation. An Initial Care Consultation allows us to accurately review these details before treatment begins.

During the consultation, we:

• Review your health history and care goals

• Clarify referral or prescription requirements

• Provide guidance on the most appropriate path for your care

• Offer a 15-20 minute therapeutic relief session, so you receive hands-on care during the process*

• After, we then verify your insurance benefits and coverage limitations

This approach helps prevent unexpected costs, ensures compliance with insurance requirements, and allows us to deliver care that is both clinically appropriate and aligned with your needs.

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*May opt out if only paying for deposit

What is included in an Initial Care Consultation?

An Initial Care Consultation is designed to provide clarity, guidance, and relief. It includes:

• A comprehensive intake and discussion of your health history, concerns, and care goals

• Guidance on referral or prescription requirements and next steps

• A 15-20 minute therapeutic relief session, allowing you to experience hands-on care during the consultation*

• After, we then review and verify insurance benefits, if applicable

The consultation ensures we understand your needs, clarify coverage options, and help determine the most appropriate care plan moving forward—so you feel supported and informed from the start.

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*May opt out if only paying for deposit

How much does a massage consultation cost?

The Initial Care Consultation is $50 and is typically paid out of pocket. You may opt out of the 15-20 minute relief session and pay only 50%.

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We accept HSA/FSA.

Can I schedule a massage for after my consultation?

In many cases, yes. If you are new to Inner G, we recommend booking a First Visit Restorative Session. This session includes a more in-depth consultation as part of your first session. Please note that your session time is inclusive of the duration of the consultation.

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This session can count towards your Initial Care Consultation and will be self-paid. (HSA/FSA available)

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That said, some insurance pathways require verification, referral approval, or additional documentation before ongoing treatment can be scheduled. If insurance coverage is not yet confirmed, you may choose to book a session using our self-pay options.

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Our team will guide you through the best next step based on your coverage type and care needs, so scheduling remains smooth and aligned with your goals.

Will I have a co-payment or co-insurance due?

It depends on your coverage with your insurance company.

While it is possible that your insurance may cover sessions with us in their entirety, oftentimes, there will be a co-payment or co-insurance associated with your session that you will be required to pay independently. Co-payments are paid prior to services rendered, and co-insurance is the patient's responsibility after the claim has been processed and finalized.

In the case that your insurance changes at any time or a claim is denied while you still have outstanding payments due with us, the burden of payment will fall to you. As such, we require clients to fill out a Patient Responsibility Agreement Form, certifying your awareness of this.

Do you have any discount programs available?

Yes. We are with a discount program called Whole Health Living Choice (the Choose Healthy Program).

Insurance policy holders through Aetna, Cigna, Humana and possibly BCBS may be eligible for anywhere between 20-25% off services.

While we do need proof of qualifications, there will be no need to go through claims or set up an Initial Care Consultation.

What if my insurance does not cover massage therapy?

If insurance coverage is not available, you still have options:

• Book massage therapy directly using our in-network discount program

• Pay out of pocket

• Join our monthly membership

• Use HSA/FSA funds

Our team can help guide you toward the most appropriate option for your care.

Do you accept VA refferals?

Yes. Inner G accepts VA referrals for massage therapy.

To use VA benefits, a referral must be obtained directly through the VA prior to scheduling. Once the referral is in place, our team will assist with next steps.

What insurance does Inner G take?

Inner G is in-network with Blue Cross Blue Shield and also accepts VA referrals. We additionally participate in the Choice Health Living discount program.

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While we are in-network with select plans, coverage for massage therapy varies by individual policy and may be subject to medical necessity, provider type, or referral requirements. Being in-network does not guarantee that massage therapy services at Inner G are covered under your plan.

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If you’re unsure which option applies to you, our team is happy to help guide you toward the most appropriate path for your care.

Do you provide Superbills?

Yes. For self-pay services, superbills may be available upon request.

A superbill can be submitted directly to your insurance provider for possible out-of-network reimbursement, depending on your individual plan.

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Please note:

• Superbills can only include diagnosis codes that have already been provided in writing by your primary care provider or referring provider.

• Inner G is unable to add, determine, or assign diagnosis codes without existing documentation.

• Reimbursement is not guaranteed and is determined solely by your insurance provider.

We strongly recommend contacting your insurance company directly to confirm whether superbills are accepted, what documentation is required, and whether massage therapy is eligible for reimbursement under your plan.

What is the process to submit a claim?

We require that all clients who want to use insurance to cover their services schedule a 45 minute Initial Care Consultation. During this appointment, we will get to know your needs and expectations, as well as gather your insurance information so that we can attempt to verify benefits and coverage. Should you be eligible according to your coverage and benefits, we will submit a claim on your behalf upon rendering the service. Claims typically take 2-8 weeks to be verified, and we will inform you of the result as soon as possible.