Generally, an insurance company will not pay for a hot tub. A hot tub must be for primarily therapeutic purposes to be paid for by insurance. The insurance company will ask for proof to verify your hot tub is therapeutic and not for leisure. Sometimes, it can be surprising what your health insurance will cover.
Full Answer
Are hot tubs covered by health insurance?
The answer depends on a few things: your health insurance company, your specific health insurance policy, and the treatment plan prescribed by your doctor. A hot tub may be covered by your insurance company if your doctor has prescribed spa hydrotherapy as treatment for a specific medical condition. When filing your claim, be sure to include all relevant medical documentation, such as x-rays, MRI results, and other test results that support your doctor’s diagnosis.
Will my health insurance cover a hot tub?
Your individual health insurance plan may cover the cost of a hot tub. However, you must establish that the hot tub is primarily for medicinal purposes before an insurance company will pay for it. Hot tubs and health insurance are not typically topics which you might think coincide with one another.
Are hot tubs covered by homeowners insurance?
Your home insurance policy should cover you for garden furniture, although it may be up to a limited value. Fixed items, such as fences, patios and sheds (as long as they’re lockable), will fall under your buildings insurance, while movable items, such as sculptures and hot tubs, will fall under your contents insurance.
Is hot tub covered under your homeowners policy?
Your policy may include covered perils for your hot tub and limited liability insurance, but you will likely need extra coverage. Purchasing a hot tub can often result in higher home insurance premiums. However, by taking certain safety precautions with covers and locks, suction drains, and barriers, you can often help control the costs.
Can I write off my hot tub as a medical expense?
A medical prescription for a hot tub provided by your doctor is a key documentation you will need to receive in order to deduct a hot tub from your taxes. The cost of installing and maintaining a hot tub may be a partial or full deductible medical expense, depending on how the construction.
Can I use my HSA to buy a hot tub?
Hot tubs are not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA) dependent care flexible spending account (DCFSA) or a limited-purpose flexible spending account (LPFSA).
Does a hot tub help arthritis?
HOT TUB FOR ARTHRITIS BENEFITS. The warm water and massaging jets of your Hot Spring ® spa can deliver wellness benefits that reach beyond relaxation. Hot tubbing can improve the quality of sleep, increase circulation, and manage pain – and research shows that making time for a daily soak can be good for arthritis.
What are the cons of owning a hot tub?
There are pros and cons to owning a hot tub....The cons:Initial expense and upkeep costs;May need to modify your yard and/or an electrical outlet to accommodate it;Time and effort required to clean and maintain it.
Is buying a hot tub a good idea?
For most people, a hot tub is worth the money if you use it regularly—and don't mind spending the time and energy it takes to maintain it. A hot tub can be a fabulous luxury. However, an unused hot tub is an expensive waste of energy, and a poorly maintained one can pose health risks.
Are hot tubs a health risk?
Other germs that live in hot tubs can also make you sick. Cryptosporidium causes GI infections with diarrhea. Legionella causes a severe type of pneumonia, or lung disease. Hot tubs might not be safe for pregnant women because they increase body temperature.
Do hot tubs help you lose weight?
Burning Calories in a Hot Tub A daily soak in your hot tub can help you lose weight, even if it's in an indirect way. If you weigh around 150 pounds, you can normally burn up to 17 calories or . 005 pounds of fat by simply submerging yourself in your hot tub for 15 to 20 minutes.
Are hot tubs good for inflammation?
Helps with recovery. Hydrotherapy in a hot tub reduces inflammation from your muscles and eases soreness. Regular use of a hot tub can help you manage mild to severe inflammation caused by overuse. That means you'll experience less pain and enjoy better mobility.
How long should a person be in a hot tub?
between 15 and 30 minutesIdeally, you should aim to time your hot tub sessions to last between 15 and 30 minutes. Depending on the factors at play (i.e. water temperature), you might be able to extend your soak to 45 minutes. Keep in mind that you can always re-enter your hot tub later on!
Are hot tubs expensive to maintain?
The basic level of hot tub water care (using bottled chemicals) costs around $20 per month to maintain your hot tub, however this depends on what water system that you choose. Upgrading your water care system may be initially more expensive but will save you money and maintenance time in the future.
How much should I spend on a hot tub?
The average price of a hot tub can range from about $3,000 to $16,000 and more. While the initial cost can seem like sticker shock, it's important to zoom out and consider your long-term value and enjoyment in the tub that you select.
Do hot tubs hold their value?
Low Independent Resale Value If you are looking to sell a used hot tub on its own, the average resale value is about 25% to 33% of the original value.
How to get insurance to pay for a hot tub?
The first step in getting an insurance company to pay for a hot tub is providing proof of your injury or illness. One type of such proof is an X-Ray of the injury. An MRI is another acceptable form of evidence proving that you have an injury.
What are the benefits of hydrotherapy?
One of those benefits is significantly multiplying the amount of waste elimination, which aids in detoxifying the body. A further benefit is helping the body relax and allowing tense muscles to loosen.
What is hydrotherapy?
Hydrotherapy is defined as the utilization of water in treating disease or injury. Hydrotherapy has existed for many centuries, dating all the way back to the ancient Greek and Roman civilizations. One of the reasons it has endured for so long is that it really does work and gives quite a few benefits to those who use it.
How does hydrotherapy help the body?
Additionally, hydrotherapy hydrates the cells, which serves to improve skin tone and muscle tone. The immune system is also made more efficient.
Why is hydrotherapy important?
Additionally, this benefit can be especially important for those who have severe types of arthritis. Hydrotherapy can soothe their aching joints and allow their entire body to relax.
Is a hot tub considered a medical expense?
In certain situations, a hot tub could be considered a medical expense. One of the circumstances that would qualify a hot tub as a medical expense is in the event that a doctor prescribes hot tub therapy. Such a prescription is not entirely common, but it can happen depending upon your medical condition. If it does, it is likely that your insurance ...
Can you deduct a hot tub on your taxes?
In the event that an insurance company agrees to pay for your hot tub, you cannot deduct that cost on your tax return. In the event that you pay for the hot tub and the insurance company pays you back at a later date, the same is true. Deducting the cost of that is not allowed on your tax return regardless of the circumstances.
How does hot tub therapy help?
Whether it be through the ancient way of using natural hot springs or the modern way of personal hot tubs, hot-tub therapy has been around for countless years. This therapy is great for relieving stress and relaxing muscles through warm water immersion . The later addition of water jets into the hot-tub experience helps deliver a light message to help relieve pressure in the muscles and ease sore spots. Along with relaxing the muscles, you can see an improvement in blood flow. Lastly, thanks to buoyancy in the water, pressure on the joints and inflammation can be reduced greatly. Hot-tub therapy provides many renewing full-body benefits while also helping mental health benefits through its relaxing qualities.
How does hot tub help with pain?
Hot tubs can help relieve chronic pain as the warm water can improve circulation. The warm water, in combination with jet massage, can free muscles from strain and knots. This kind of relief helps the body enter a calming state that allows for healing and recovery. As well, the release of physical tension will help improve overall range of motion.
What does hot water do to your body?
The hot water relaxes the muscles which in turn can trigger the release of endorphins and stress from the mind.
What is a whirlpool hot tub?
If strong, deep tissue massage is what you’re looking for, then the whirlpool style tub is for you. This kind of hot tub moves water at an increased pressure using strategically located air jets. These air jets are adjustable so they can be customized to each individual’s body and needs for optimized muscle relaxation.
What is an air tub?
Air tubs are known for their thousands of tiny, relaxing bubbles that wrap the body in an almost champagne-like fizz. This category of tubs provide touch receptors with great stimulation that helps mildly release tension. To take it to another level, users can incorporate bath oils to add a touch of aromatherapy for even more relaxation.
Do I need a prescription for a hot tub?
To receive coverage from a health insurance company for a hot tub, patients will need a prescription from a specialist for said therapy. Most often as long as a prescription from a doctor is presented, companies will reimburse the purchase of such medical equipment. Companies will usually be less accepting of a general practitioner’s prescription so it is best to see a specialist. An internal medicine specialist, for example, could prescribe a hot tub for circulation problems or a rheumatologist could prescribe it for joint pain. In addition to a prescription for spa hydrotherapy, all relevant medical documentation like x-rays, MRI’s, or any other tests which validate the doctor’s diagnosis must be present when filing the insurance claim.
Is massage good for your body?
Massage therapy has various forms, but it’s almost always beneficial to the mind and body. Massage helps the body’s nervous system kickstart a relaxation response and improve blood and lymph circulation. This, in turn, helps oxygen spread throughout the body. Jet massage can help relax muscle tissue, ease contractions and spasms, and help soothe sore spots. Overall, muscle massage proves to be essential in the venture for that renewed feeling.
What happened to the hot tub?
Answer from Insurance Provider: What happened with the hot tub is mechanical failure which then led to the freezing that caused the damage. The freezing of the hot tub is a resulting loss to the mechanical failure. Consequently, the mechanical failure is excluded, but the damage to the hot tub (pipes, plumbing, etc) itself would be covered.
Does insured have a hot tub?
Question from Insured (client): Insured has a hot tub. It is a portable unit (self-contained) located in an dwelling separate from the home. It has a hard-wired electrical line running from it to the home’s main electrical panel.
Does hot tub insurance cover freezing?
The hot tub is separated from the home but is attached by a utility line or like connection which provides coverage. Also, because the home is heated then the freezing of the tub is covered even though it isn’t actually located inside the house.
Can you freeze a hot tub in a pool?
It is also important to note that a self -contained hot tub or swim spa is not a swimming pool so the typical exclusions for freezing to a pool do not apply.
