I have seen on the news there are places that do this, and I think it would be really cool if I could pull it off too. That being said, I'm sure its something that is done very discreetly so there probably isn't a point of posting those establishments on here, but if someone could PM me the names of some places where this can be done, please let me know. It does seem a bit risky and it would look bad to get busted for doing it, so I'm looking to find a place that is fairly reliable and can keep things looking legit.
Receiving a 'happy' massage and getting it covered by your medical plan
- Thread starter LoadShooter
- Start date
This subject comes up every once in awhile, and seems to be filled with some hopefullness that likely won't go far.
First of all, almost any reputable insurance company will demand that the massage therapist is recognized as such by a provincial licencing body. In BC that is an RMT designation. You can be sure that an insurance company will run any claim through a check to be sure the RMT designation is valid. It would be a stroke of luck if they didn't. And once they know you will try to run an invalid claim, you are marked. They are not dumb!
In addition, you will have to have a prescription from your doctor that the massage theraphy is necessary, and that will have to be filed with with the first claim, and is good for a year. So you have a double jeopardy, doctor involved and RMT involved. Other types of massage therapists don't usually qualify.
If you have an insurance company that actually lets you get away with it, why not tell us all so we can go there too.
First of all, almost any reputable insurance company will demand that the massage therapist is recognized as such by a provincial licencing body. In BC that is an RMT designation. You can be sure that an insurance company will run any claim through a check to be sure the RMT designation is valid. It would be a stroke of luck if they didn't. And once they know you will try to run an invalid claim, you are marked. They are not dumb!
In addition, you will have to have a prescription from your doctor that the massage theraphy is necessary, and that will have to be filed with with the first claim, and is good for a year. So you have a double jeopardy, doctor involved and RMT involved. Other types of massage therapists don't usually qualify.
If you have an insurance company that actually lets you get away with it, why not tell us all so we can go there too.
That is something I have been thinking as well.
After I complete my acupressure college and reflexology college, I will be a licensed massues, which means massage I offer can be covered by medical plan.
So, platonic massage can be easily covered.
But that not include happy ending.
I thought there may be a chance to justify to have happy ending massage covered by medical in the following scenarios:
A). Make it as legitimate sexual therapy.
I offer massage that helps for impotent, which can be done with my massage knowledge and skills. It is a common condition that a lot of men go see Traditional Chinese Medicine (TCM) or some alternative medical remedies. Viagra is harsh on one's heart so it is suggested to avoid that if possible. Then, I can combine the session between TCM massage for impotent condition and prostate massage with HJ.
B) Make it 60 min TCM massage, which can be covered by insurance, approximately $60/h, and if the client wants HJ, it is $100 mandatory tip. So the receipt will say $60. In that case, I would offer HJ first, release and relax the muscle, then massage. It is still massage oriented session, so the releasing will be offered to relax the muscle.
I am not sure Thai massage can be covered by medical, but definitely acupressure is covered. Probably reflexology as well depending on the plan.
I will do more research when I'm ready to offer massage package.
If anyone know other ways, please PM me.
Any input/insight is helpful.
Yoko
Xoxo
After I complete my acupressure college and reflexology college, I will be a licensed massues, which means massage I offer can be covered by medical plan.
So, platonic massage can be easily covered.
But that not include happy ending.
I thought there may be a chance to justify to have happy ending massage covered by medical in the following scenarios:
A). Make it as legitimate sexual therapy.
I offer massage that helps for impotent, which can be done with my massage knowledge and skills. It is a common condition that a lot of men go see Traditional Chinese Medicine (TCM) or some alternative medical remedies. Viagra is harsh on one's heart so it is suggested to avoid that if possible. Then, I can combine the session between TCM massage for impotent condition and prostate massage with HJ.
B) Make it 60 min TCM massage, which can be covered by insurance, approximately $60/h, and if the client wants HJ, it is $100 mandatory tip. So the receipt will say $60. In that case, I would offer HJ first, release and relax the muscle, then massage. It is still massage oriented session, so the releasing will be offered to relax the muscle.
I am not sure Thai massage can be covered by medical, but definitely acupressure is covered. Probably reflexology as well depending on the plan.
I will do more research when I'm ready to offer massage package.
If anyone know other ways, please PM me.
Any input/insight is helpful.
Yoko
Xoxo
you have to look at your insurance coverage and see what your covered for,
i think my insurance company, basics things i can go to any one, i mean eye care or dentist,
but things like physio or massage therapits the more down the line, or ify the thing is they have a list
of approved clinics or practioniners
a women just but a note or our bulleting board at work she is a rmt, working out of her house and she is approved by our insurer
i mean who is to say she can't give a happy ending, my insurance company has limits per year and maximum one time fee,
so unless she is real cheap, i would still have to pay and it i quess it would between her and me,
but like some one said is it worth the risk,
its not like i could charge unlimited amounts to my insurance company,
i think my insurance company, basics things i can go to any one, i mean eye care or dentist,
but things like physio or massage therapits the more down the line, or ify the thing is they have a list
of approved clinics or practioniners
a women just but a note or our bulleting board at work she is a rmt, working out of her house and she is approved by our insurer
i mean who is to say she can't give a happy ending, my insurance company has limits per year and maximum one time fee,
so unless she is real cheap, i would still have to pay and it i quess it would between her and me,
but like some one said is it worth the risk,
its not like i could charge unlimited amounts to my insurance company,
There was a massage therapist (RMT) in Naniamo who would give legitimate massages plus and then give receipts which you could then use for repayment from your provider if your provider offered funding for massage services. Mine did. She was a very nice looking woman, about twenty-seven years of age, with a good deal of kink. She and her husband also used to involve themselves in open sexual practices, or so she told me. Then, they broke up and she, last I heard, returned to Saskatchewan where she was originally from. Very nice while it lasted. She was quite cooperative with the "massage" practice.
As cool as it would be to get away with this, realistically, my job would be too important to risk getting a few free sessions of stimulating relaxation.
I see absolutely nothing wrong with this. If your RMT does a great massage, and happens to be willing to finish you off with a happy ending, who's freaking business is it that you had an orgasm at the end of your massage?????!!!!!! I hate it when people think my activities are anyone else's business or deserve anyone's scrutiny, when this is a private affair, in private quarters!
That kind of thinking also feeds into society's pathetic notions that 'sex (orgasm) is bad'...
The fact that your company reimburses you for some of the costs of your personal care has nothing to do with your happy ending. That is an employee benefit, which most employees deserve. And most employers know that they have happier, healthier, less costly employees (i.e. less sick days) when they offer programs for the employees to take better care of themselves. So, in fact, companies who offer reimbursement are really doing so for self-serving reasons, i.e., they want more out of their employees. Offering a good extended medical plan gives them a competitive edge over another company that doesn't offer one, when they're seeking quality and talent for their employee pool.
Thinking any other way about the employer/employee relationship is simply naive.
And no, a prescription is completely unnecessary for a massage, or most other registered services. Most company extended medical programs do have limits though, commonly $500 per provider, ie. massage, chiro, acupuncture, naturopath, podiatrist, etc.
And of course, not many RMTs will offer this service, but I just wanted to set the record straight. If you found one that did, maybe you couldn't really spread the word but, hey, I'd say, "enjoy yourself to the fullest, at least up to your insurance limits!"
Alex love you are of course correct. Unfortunately you will find that most large recognized medical insurance plans require a prescription from a doctor when you file a claim. I am in two plans by different but large insurers. Sorry the won't process a claim without a prescription. If you want the claim paid. Of course you can go for a massage anytime and anywhere your little heart desires. Just don't expect to have the claim honored and paid unless the rules are abided by. Medical insurance from your employer comes at a great cost to the employer and seldom is the employee free of paying a good part of it too. The premiums are usually split between both parties and frankly health plans are not popular with a lot of employers. So you think I want to see my monthly premiums raised because Joe in next office wants a weekly happy massage? These expenses get averaged out amongst all members of the plan. Sorry not in that club.
I wonder if you have ever worked anywhere with a health plan and ever looked at your paystub if you did. Yep if you find a real licensed therapist doing a little extra you have your situation. But most of that group make enough they don't get involved.
You bet I want my health plan monitored for abuse. Think of what you are suggesting. Chaos!
Did you realize that the provincial health plan stopped paying massage therapy in many situations several years ago. So now you only get the coverage as an extended health plan under your employee coverage. And Extended plan costs are usually borne totally by the employee. And those costs are calculated by adding up all the claims over the year in the plan and dividing by the number of people in the plan.
I read your post several times. Your opinions are certainly there but not much reality. The record is hopefully straight now.
I wonder if you have ever worked anywhere with a health plan and ever looked at your paystub if you did. Yep if you find a real licensed therapist doing a little extra you have your situation. But most of that group make enough they don't get involved.
You bet I want my health plan monitored for abuse. Think of what you are suggesting. Chaos!
Did you realize that the provincial health plan stopped paying massage therapy in many situations several years ago. So now you only get the coverage as an extended health plan under your employee coverage. And Extended plan costs are usually borne totally by the employee. And those costs are calculated by adding up all the claims over the year in the plan and dividing by the number of people in the plan.
I read your post several times. Your opinions are certainly there but not much reality. The record is hopefully straight now.
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Although I get your points, newatit, I have been self-employed for many years and have had my own self-employed extended medical health insurance, for which I paid a monthly premium out my own pocket. So this isn't just my opinion, this is from my experience.
While some expenses do require a prescription, not all do. So, the bottom line is, check your plan carefully. I wasn't trying to say that this was available to everyone...rather I was saying that, if it is, don't let society's pathetic perspective stop you from getting what you need, without remorse or unnecessary guilt.
If the guy next door can get a few of his happy endings covered, be jealous...but don't be a hater!
Thanks for the clarity. I agree. By the way for self employed persons there is another tax dodge called PHSP. A plan where your business pays the medical costs and gets an immediate tax deduction and you pay the provider with tax free dollars. It works with extended or non extended plans to cover costs not insured. Tax efficient. Did you know about it?
