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Crashed Car
Back Massage
Nurse Taking Notes

Medical & Insurance Massage:

Massage can be covered by ones personal insurance (personal health plans), personal injury insurance (PIP coverage) from motor vehicle injuries if it is deemed medically necessary by a referring medical provider. Treatment is focused on a specific issue which is diagnosed by the provider and a referral may be needed. We are familiar with working with a variety of medical providers to complement your healing process. These include: MDs, DOs (Doctors of Osteopathy), NDs (Naturopathic Doctors), Chiropractors, Physical Therapists, Occupational Therapists, Physician Assistants, and Acupuncturists. The providing therapist is trained in medical massage and clinical terminology and can communicate with your medical providers, insurance companies and attorneys, if needed. To individually tailor the treatment to your needs, a wide range of manual therapy techniques can be used to treat your injury during these sessions. Stretches or exercises might also be recommended to aid in your body's balancing process. Charting, insurance billing and other paperwork will be taken care of by the therapist. It is also necessary to contact your insurance provider in advance to confirm your massage therapy coverage and benefits and/or contact the referring provider about massage therapy referral for your visit. The therapist can also do this if needed, but it needs to happen BEFORE your first session. Referrals are usually limited to a specific duration and number of treatments and can be brought in by the client or sent directly to the office by the referring provider.

Treatments can be in 30, 60, or 90 minute sessions, depending on what is prescribed by your referring physician.

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  • All Auto/Car Insurance Plans, Accidents & Injuries - Referral from a Physician is Required

Motor Vehicle (MVA) or Bike Accidents

Auto and Bike Accidents Injury

When someone has experienced an accident, injury or trauma, their body requires treatment to help heal and recover. Treatment from qualified healthcare providers and therapists can aid with recovery.

Common symptoms

  • Common symptoms after an auto or bicycle accident or injury can include headaches, neck, shoulder and/or low back stiffness and pain and fatigue.

  • Some people can experience irritability and depression or challenges with concentration, memory, dizziness or with vision. Often there might be pain, numbness and tingling in affected areas.

  • Sleep can be affected, either sleeping too much or difficulty sleeping

If you experienced a motor vehicle accident in Oregon and are injured, you may be entitled to rehabilitation therapies to recover. This includes Massage Therapy. Personal Injury Protection (PIP) must be included in all Oregon auto insurances. If it is determined that treatment is medically necessary after your accident, then your PIP coverage should cover therapy at no cost to you. Your PIP auto insurance can cover the treatments. This includes injuries from bike and motor vehicle accidents. A referring physician can determine if your are in need of treatment. Getting checked out by a Chiropractor, Physician (MD), Naturopath (ND), Physical Therapist, or Nurse Practitioner is required before seeing the Massage Therapist. They can assess if massage is needed and beneficial or if other treatments or diagnostics, such as X-rays might be required.

How Therapeutic Massage Helps

Right after a vehicle or bike accident, massage can help lessen the injury effects and can have calming effects on the nervous system. Massage can help decrease pain, swelling and inflammation by improving circulation. Once the inflammation has decreased, therapeutic massage helps improve range of motion and continues to decrease pain symptoms. Massage techniques can also help decrease myofascial adhesions and scar tissue formation. Treatments can continue to address orthopedic issues like headaches, neck pain, whiplash symptoms, shoulder and back sprains/strains and hip pain.

What to do

  • Get checked out by a referring health care provider (MD, ND, DC, PT, NP, etc.).

  • Ask for a prescription or referral for therapeutic massage (this can be mailed to the office or you can bring it in).

  • Contact us to set up an appointment.

  • Bring in referral or prescription for massage. It should include diagnosis codes, number of visits and length of visits. The physician will provide this.

  • A claim with your Insurance Company should be opened by calling them. We will need the claim number, personal Auto Insurance company name, phone number and Insurance Adjuster's name, if you have it.

Summit Springs Therapies, llc will handle all charting and medical notes, billing and paperwork so all you have to do is heal.

Note: This is medically necessary  treatment for diagnosed purposes. We use specific manual techniques for treatments in aiding you in your recovery process. It is not a full body or Relaxation/Spa type of massage. We use medical massage for all injuries to aid with rehabilitation and recovery. Manual Therapy techniques may include myofascial release techniques, Trigger Point Release techniques, active and passive range of motion, soft tissue mobilization, lymphatic drainage, hands on traction, and cupping. Exercises or stretches may be recommended to help with body balancing.

Personal Health Insurance Plans (Employer-based Plans)
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Flexible Spending Accounts (FSA) & Health Savings Accounts (HSA)

Personal Insurance & Massage

Your employers personal insurance plan may cover massage therapy. The benefits of massage help reduce stress & headaches, lessen work related repetitive use injuries, decrease high blood pressure and promote overall well being and improved mood. Massage makes happier, healthier employees! Check your benefits to see if its covered.

Summit Springs Therapies, LLC can bill your Personal Insurance.

In-Network or accepted Plans

- Regence Blue Cross Blue Shield of Oregon

Personal Health Plan Information

When scheduling an insurance-covered massage, please be aware that:

  • Insurance plans can change every year. Your coverage might also. We will need to keep up to date for any co-pay, coverage or deductible changes.

  • Massage Is often covered by group plans but not individual plans.

  • Sometimes a plan only covers massage if it is administered by a chiropractor or physical therapist, or only in their office. Knowing this prior to your session is helpful.

  • A prescription for massage might be required under your plan.

  • Some insurance plans require you to have met your deductible before massage is covered.


The massage treatment is a Therapeutic Medical Massage Treatment. It is not the type you receive in a spa for relaxation.

Some questions to ask your Insurance Company prior to the appointment

  • Do I have coverage for "in-network" or "out-of-network" Massage Therapy?

  • Is massage therapy covered under my plan when it is performed by an independent Licensed Massage Therapist (LMT) that is NOT working under/or with a chiropractor or physical therapist?

  • Is massage covered or included under physical therapy benefits when billed as 97140?

  • Do I a referral/prescription or get "pre-authorization" for massage therapy?

  • Is it subject to my deductible and what is that?

  • What is my co-pay or coinsurance amount?

  • How many total visits do I have for massage?

  • Are those total visits shared with any other practitioners like Physical Therapists, Occupational Therapists, or Acupuncturists? Have I used any of those visits this year? If so, how many are remaining?

FSA & HSA Accounts

Flexible Spending Accounts / "Flex Plans" & Health Savings Accounts

Some employers (and self employed individuals) allow their employees to set up health savings accounts. These are tax-advantaged accounts that allow you to save specifically for medical costs. Both HSAs and FSAs allow people with health insurance to set aside money for costs referred to as “qualified medical expenses”. Often, you receive a debit card for your account and can use it to pay for qualifying expenses. You can include in medical expenses the amounts you pay for therapy received as medical treatment.

What to do to see if your FSA or HSA will cover massage therapy?

  • Call your benefits office to see if massage is allowed as an expense.

  • Check to see if a letter of medical necessity is required or referral.

  • If it is allowed, schedule an appointment for a treatment.

  • Your FSA or HSA card will be used like a credit card at the time of payment.

  • If needed, a receipt of service can be give for the session for your records or to send in to the company (depending on their requirements).

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