FREE Insurance Comparison

 Secured with SHA-256 Encryption

Call (855) 425-8122

for FREE insurance quotes by phone
Insurance | Free Online Insurance Quotes

Compare Insurance Quotes!

Compare Quotes from Top Companies and Save

 Secured with SHA-256 Encryption

Will my health insurance pay for a hot tub?

Daniel Walker
Licensed Insurance Agent for 15 Years

UPDATED: Mar 19, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

The lowdown...
  • Your insurer will probably pay for a hot tub if you have a prescription from a specialist
  • The hot tub cannot be the sort of tub that people use for recreation; it has to be a specially constructed one-person medical hot tub.
  • If your insurer denies your claim, you can appeal or purchase the hot tub yourself and claim the tax deduction

The question of whether or not an insurer will pay for a hot tub seems self-evident. One does not usually think of hot tubs when they think of legitimate medical treatment. However, you may be surprised to learn that there are legitimate treatments involving hot tubs for poor circulation and joint pain.

These treatments are fairly new and are not commonly prescribed yet. Many insurers are not used to covering these hot tub treatments and may be reluctant to do so at first. However, most medical insurers will eventually reimburse you for a hot tub if you have a prescription from a doctor.

To learn more about getting your health insurance to pay for a hot tub, read on.

Enter your zip code above to compare health insurance quotes and find plans with the coverage you need!

Medical Uses for Hot Tubs

AdobeStock_44423635-1600x1600

To understand why or why not an insurer will cover a hot tub, you must first understand what the legitimate uses for hot tubs are in modern medicine. As previously mentioned, hot tubs can be used to promote good circulation and reduce joint pain. The heat encourages the blood vessels to dilate, which improves circulation.

The heat encourages the blood vessels to dilate, which improves circulation. The heat also allows the joints to expand slightly, which helps everything move more freely and thereby reduces pain. There are some other theoretical health-related uses for hot tubs, but none that are accepted in modern medicine.

How to Get a Prescription for a Hot Tub

AdobeStock_85686175-1600x1600

To get a prescription for a hot tub, you must first go to a specialist. It is theoretically possible to get a prescription for a hot tub from a general practitioner, but most GPs are not experts in the treatments involving hot tubs.

You may want to go to an internal medicine specialist if you have circulation problems or a rheumatologist for joint problems.

These doctors are much more likely to have experience treating conditions with hot tub therapy. If they believe that hot tub therapy is the right course of treatment for you, they’ll write you a prescription, just like they would for medicine. Then, you have to talk to your insurance and see if they’ll pay for it.

What to Do if Your Health Insurance Will Pay for a Hot Tub

If your health insurance is willing to pay for a hot tub, make sure you know exactly what sort of hot tub they are willing to pay for. There are specialized one-person hot tubs made specifically for medical treatments. The more common large hot tubs are seldom approved by insurers.

Some people try to get their insurers to approve normal hot tubs which they only want for recreational, rather than medical reasons. This is insurance fraud, so you should make sure that you only ask your insurer to cover the hot tub you need for your treatment.

What to Do if Your Health Insurance Won’t Pay for a Hot Tub

AdobeStock_124942368-1600x1600

There is a fairly good chance that your insurance will not actually accept your claim for your hot tub. There are a couple of things that you can do in this situation.

First, contact the doctor that gave you the prescription for the tub and have them speak to your insurer. If this doesn’t work, go through your insurer’s appeals process.

Every major insurer has a process by which their policyholders can appeal denied claims. You can find more info about this in your policy documents.

Types of Hot Tubs That May Be Covered

Dollarphotoclub_54192154-1600x1600

As previously mentioned, there are one-person hot tubs made specifically for medical use. This is the only kind of hot tub that your insurer is likely to cover. To find one of these hot tubs, ask the doctor that originally prescribed the hot tub therapy.

If you need more info, you can find it online. The internet is probably your best bet as far as purchasing a specialized tub as not many brick and mortar stores stock them. This may change in the future when hot tub therapy becomes more common.

Types of Hot Tubs That Are Unlikely to Be Covered

Traditional multi-person hot tubs are unlikely to be covered. This is because they are not specifically constructed for medical use. Also, the insurer is only interested in covering the policyholder, and traditional hot tubs can accommodate several more people.

Some people have has success with partial reimbursement for a multi-person hot tub, but this is unlikely to work and is not recommended.

If you are in doubt about whether your insurer will cover a certain hot tub or not, make sure to ask them.

Similar Treatments That Are More Likely to Be Covered

AdobeStock_79691531-1600x1600

Many other treatments for joint pain or poor circulation are more likely to be covered than hot tub therapy. If your insurer denies your claim, you may want to try one of these other treatments. Most of the other medically accepted treatments for these conditions involve medication.

If you need a prescription, visit the same doctor that gave you the prescription for a hot tub and explain the situation. You will likely not have to purchase the medication yourself and try to get your insurer to reimburse you. As medication is more traditional treatment, your doctor will deal with your insurer directly.

Deducting the Cost of a Medical Hot Tub on Your Tax Return

If you cannot get your insurer to pay for a hot tub but you still want to try this form of treatment, you can simply purchase the hot tub yourself and deduct it from your tax return. This is not as convenient as getting reimbursed by your insurer, but it will help make the purchase more affordable in the long run.

Deducting medical expenses on your tax return can be tricky. It is always a good idea to hire a professional tax preparer to ensure that you are doing everything by the book. The tax preparer will charge you a nominal fee, but whatever they charge will be worth it in the end.

The Bottom Line

AdobeStock_71458335-1600x1600

In conclusion, your health insurance will probably pay for a hot tub if it is prescribed by a specialist. Otherwise, the chances of getting your health insurer to pay for a medical hot tub are slim. Even after your insurance agrees to help you pay for a medical hot tub, they may not reimburse you for the full amount.

It is vital that you contact them and double check that you are purchasing an approved model and that they will actually reimburse you for it. If you don’t get your hot tub claim approved, try appealing the decision or buy the hot tub yourself and claim a tax credit.

Compare Insurance Quotes!

Compare Quotes from Top Companies and Save

 Secured with SHA-256 Encryption