How To Get Insurance to Pay For Your Hot Tub Therapy

Your Hot Tub Healing Might Be Insured

If you are ill or injured, hot tub therapy might be just what the doctor ordered. And if your doctor orders it, chances are good that insurance will pay for the equipment.

Unless your health insurance policy excludes the purchase of a hot tub, a prescription from your physician to promote better circulation or to treat back, hip, knee, joint or arthritis pain probably means you’re covered.  Check the plan for eligibility requirements.

In addition to the prescription, you should get copies of medical records that show objective evidence of the injury, such as X-ray, MRI or needle EMG reports. Your physician also can provide a statement that summarizes your condition and states his/her opinion that a hot tub would be of therapeutic value, why the tub would be a benefit, and what they expect the treatment to accomplish.

If you were injured in an accident caused by someone else, ask your personal injury lawyer to see if the other person’s insurance will pay for a hot tub for your treatment. If not, the cost could be added to the damages claim. Even in a no-fault insurance state, a properly supported bill should be approved. In addition to the documentation you’d provide your own insurance company, ask your doctor for a written statement that says, “In my professional opinion, the patient’s injury is causally related to the accident.” “Causally related” are the magic words.

Also, if you are not otherwise covered, check your car insurance policy to see if you have medical coverage, called “med pay,” that could help you buy a therapeutic tub.Buy the SmartTop hot tub cover now!

The insurance company is responsible to pay for a tub only large enough to treat one person, but the money could be enough to help you buy a larger tub that doesn’t cost much more. You deserve the medical benefits that come from hot tub treatments and help restore you to health.

At Olympic Hot Tub we have had many customers purchase hot tubs for therapeutic treatments with insurance money.  There are so many aliments for which a hot tub can be beneficial in recovery including chronic fatigue, fibromyalgia, arthritis, Type II diabetes, automobile accidents, stroke recovery, and traumatic brain injury.  It never hurts to ask!

One last caveat:

Can you deduct the cost of a hot tub when you have been reimbursed by an insurance company for the cost?

No. You should note that if you obtain payment from an insurance company to purchase your hot tub, you cannot also deduct the cost of the hot tub on your tax return.  If you deduct the cost of your hot tub on your tax return and in the next year obtain reimbursement from an insurance company, you would then have to declare that reimbursement as income on your next year’s tax return.

All of the information from this post comes from the website The Center for Accident and Injury Insurance and is used with permission.  The founder of this site,Philip L. Franckel, Esq. of  Roslyn, NY also recommends products for physical therapy including a Hot Spring Spa.  If you’re in the market for a hot tub, read his story.

Disclaimer: This information is not tax advice. Check with your accountant about any hot tub related impact on your tax liability. Nor is it medical advice. Your physician is the one to answer your questions about a hot tub for your disability treatment.

SANUM PER AQUA. Latin for Health through Water


How to Claim Your Hot Tub as A Medical Expense Deduction on Your 2011 Tax Return

Is Hot Tub Soaking Beneficial for Traumatic Brain Injury (TBI)?




Don Riling

Author: Don Riling

Don Riling is the President of Olympic Hot Tub and has been an active member of the hot tub industry for over 20 years. As the company’s owner since 2016, he has continued Olympic’s legacy of promoting health & wellness through hot water & sauna therapy.

25 responses to “How To Get Insurance to Pay For Your Hot Tub Therapy

  1. hi i found this web and thought to give it a try. i am 53yrs on SS disability my income is limited my doc said a hydro therapy hot tub would be benifishal to my condition i am looking for a way for Social security to flip the bill for this? is it possible?

    1. Hello George:
      I am sorry to say that I have not heard of Social Security paying for a hot tub. Insurance, yes.
      You may be able to find a used one from a reputable dealer that has been refurbished to high standards.
      such a hot tub will likely be very reasonable to own & operate.
      Best wishes,

  2. can you tell me what codes to submit to the insurance company either icd 10 or cpt i have the dx and all the other stuff from the provider, bcbs wants me to submit the code

    1. Sorry, Gail. I do not have the codes for your insurance..don’t even know which nsurance company you have.
      Try asking them.
      Good luck.

  3. I have 3 lower herenated discs from an industrial injury that cannot be surgically fixed and all nerves going to legs are being pinched would I be a good canidate for labor and industries to pay for a hot tub for therapy.

    1. Hello Alan:
      So sorry to hear that you are in pain.
      Whether or not L&I agrees to buy you a hot tub, even though you may really need one,depends on many factors. I can’t begin to tell you
      what you’d need to do. A good doctor who understands your pain and the value of hot water therapy would help.
      I will say that some of the people who were successful in getting a home hot tub through insurance were those who had to go
      for outpatient physical therapy with a whirlpool on a daily basis. After a time, the insurance company figured it would be less expensive
      to buy one rather than pay so much on a daily basis.

      Good luck in your search for pain relief!

      1. Thanks, good idea, actually my therapist was saying how water therapy would be very good for me rather than dry exercise all time easier on joint

  4. I need help if my doctor writes a prescription for a hot tub or sauna or hot wAter pool. I’m o disability and Will they help me to get my life back An just try to fill better will they helping me

    1. Hello Patricia:
      Thanks for stopping by the blog.
      The only thing you can do is try. Talk to your doctor and your insurance company.
      Best of luck to you,

  5. Hello, I am interested in seeing if my father’s insurance would cover one of your hot tubs for him. He has multiple diseases; MS, rheumatoid arthritis, degenerative disk disease etc. His doctor said that if he found a place willing she would write a prescription for him. I’m just wondering if you have a phone number; I’m located in upstate NY so the stores provided are too far. Thank you very much!

    1. Hello Ashley:
      Thanks for writing.
      I’m sorry to hear that your father has so many health issues.
      I would suggest working with his insurance company first after you have a prescription.
      When the insurance company gives you the go ahead (and I hope they do quickly), go too
      Put in your address to find the dealer nearest you.
      Good luck & best wishes,

    1. Hello Roxanne:
      Thanks for checking into the blog.
      Don’t know the answer to your question. I’m sure it all depends on his situation.
      Start asking insurance and the VA.
      You might have success.
      Good luck.
      Wishing you both the best,

  6. I am a disabled veteran with Parkenson s . I thought a hot tub might help with the joints in my body. Thank you. Roger McDonald.

    1. Roger–Thanks for your comment. Sorry to hear about your condition, and I certainly thank you for your service! In terms of using a hot tub for Parkinson’s relief, I’d advise seeking out a health professional’s advice first with your particular situation. They could better direct you on whether it would indeed be a viable option to pursue for therapeutic benefits. I wish you the best with your health!

  7. I am a brittle type 1 diabetic on insulin pump and have 3 MRI saying I have 2 ruptured discs in my lower back L2 and S1, I also have 3 ruptured discs in the middle of my back T3,T4, T5, and 5 ruptured discs in my neck. Would it be possible to get insurance to pay for a hot tub for me? I had one 10 years ago and took 3 years to get the discs pain to go away, now I moved and 10 years later they came back with a vengeance and more ruptured.

    1. Jason–I’m so sorry to hear about your health challenges! The best route to take with this is to talk directly with your doctor and have him help you pursue this to see if it will be a viable option to submit to your insurance provider for some coverage. It sounds like you may have significant enough health issues for it to be considered. I certainly wish you well!

  8. I’m on disability. I have degenerative arthritis, in my spine, shoulder and knees. I have 3 bulging discs, stenosis, and sacroileitis. I live in a condo. Would Medicare or medicaid pay this, also will I have a hard time with my condo assocuation? Indoors/outdoors? Ideally I want a treadmill style or hot tub. If my condo association said no to outside, wouldn’t i have to do construction inside allowing to prevent mold from humidity?

    1. Marisa–I’m sorry for your health issues. The best route to take with coverage is to talk directly with your doctor and have him/her help you pursue this to see if it will be a viable option to submit to your insurance provider for some coverage. Beyond that, it’s difficult for me as a hot tub retailer to give you an informed answer.

      In terms of whether your condo association would allow a unit, it’s best to consult your covenants to see if there are any restrictions for this type of product on the property. If it’s not something in the covenant, it would be difficult (in my opinion only) for them to deny you.

      Finally, I would say anything indoors should be shown to a licensed/bonded/insured contractor who can answer questions about how to best install a unit in an enclosed or indoor space.

      I wish you well!

  9. Hello. I have degenerative disc disease, ra, and fibromyalgia. My doc has instructed me to do water therapy, but has yet to find anyone that provides it in our area. We have BCBS and own our home. Would it be possible to get either a hot tub or exercise pool approved for pay by my insurance? If so what steps should we follow? Our master has only a shower amd our 2nd bath has a tiny tub. Epsom salt hot baths are the only thing that loosens up my back and neck so that I can function, but ita incredibly difficult to get in and out of the tiny tub and I cannot stand for a shower.

    1. Goergene–Your tax preparer of insurance agent would be the right folks to check into this with and see if it’s possible. Best wishes for your health!

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