Anthem Blue Cross and Massage Therapy
Most Anthem Blue Cross plans do not cover massage therapy as a standard benefit. Some plans offer limited coverage through complementary or alternative care riders. Coverage varies by state and plan type, so you must check your specific benefits.
Quick Facts
| Coverage Aspect | Details |
|---|---|
| Standard Benefit? | No |
| Some Plans? | Yes, with alternative care rider |
| Referral Needed? | Yes, when covered |
| Self-Pay Cost | $60-$150 per session |
When Anthem May Cover Massage
Limited massage coverage may be available through:
- Employer-sponsored plans with alternative care benefits
- Anthem plans with a complementary medicine rider
- Some Anthem Medicare Advantage plans with supplemental wellness benefits
- As part of physical therapy when performed by a licensed PT
When covered, expect limits of 12-20 sessions per year and a requirement for physician referral.
How to Check Your Coverage
- Log in to anthem.com and review your benefits
- Search for “massage therapy,” “alternative medicine,” or “complementary care”
- Call Anthem member services at the number on your card
- Ask: “Does my plan include massage therapy as a covered benefit?”
Verify Before Scheduling
A massage therapist saying they “accept Anthem” does not guarantee your plan covers massage. Always confirm with Anthem directly.
What You Will Pay
| Scenario | Typical Cost |
|---|---|
| Covered (in-network) | $20-$50 copay |
| Covered (out-of-network) | 40-50% coinsurance |
| Not covered | $60-$150 per session |
Covered Alternative: Physical Therapy
All Anthem plans cover physical therapy, which includes manual techniques similar to massage:
| PT Technique | Similar To | Anthem Covered |
|---|---|---|
| Soft tissue mobilization | Deep tissue massage | Yes |
| Myofascial release | Myofascial massage | Yes |
| Manual therapy | Therapeutic massage | Yes |
| Trigger point therapy | Trigger point massage | Yes |
Practical Tip
Physical therapy with manual techniques provides hands-on treatment similar to massage and is covered by all Anthem plans. Ask your doctor for a PT referral.
Frequently Asked Questions
Does Anthem cover massage for back or neck pain?
Most Anthem plans do not cover massage for any condition. Physical therapy with manual techniques is the covered alternative.
Can I use HSA/FSA funds for massage?
Yes. With a letter of medical necessity from your doctor, HSA and FSA funds can pay for massage therapy even when your plan does not cover it.
Does Anthem cover chiropractic care?
Many Anthem plans cover chiropractic services, which may include some soft tissue techniques. Check your plan for chiropractic benefits.