Blue Cross Blue Shield Hot Tub Coverage

Do You Need Supplementary Health Or Dental Insurance

If you are young and healthy, you might not need to buy supplementary health or dental coverage. It depends to an extent on what you are covered for under OHIP, a group plan or a parents group plan. For example, starting in January 2018, OHIP provides prescription drug coverage to youth 24 and under who are not covered by private benefits. Those children and youth are able to get more than 4,400 prescription medicines for free by showing their health card and prescription. Coverage is automatic, with no up-front costs. Read the news release to find out more. Check what you are covered for, take a look at your individual situation, and make a decision on whether what you have now is sufficient.

What Can You Do If Your Health Insurance Coverage Wont Pay For A Hot Tub

There is a fairly good chance that your insurance will not actually accept your claim for your hot tub. There are a couple of things that you can do in this situation.

First, contact the doctor that gave you the prescription for the tub and have them speak to your insurer. If this doesnt work, go through your insurers appeals process.

Every major insurer has a process by which their policyholders can appeal denied insurance claims. You can find more info about this in your policy documents.

Compare Insurance Providers Rates to Save Up to 75%

Secured with SHA-256 Encryption

What Is Blueprint Portal

Blueprint Portal is a members-only website that will help you understand and manage your health plan so youre able to find quality, patient-focused healthcare at the best possible price.

• Review claims history
• Check deductible and out-of-pocket totals
• View and order replacement ID cards
• Find a doctor or hospital

• Estimate treatment costs
• Review a recent doctor visit

Recommended Reading: Do I Need Chemicals For My Intex Pool

How To Get Insurance Companies 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.

Your doctor may also give you a statement summarizing their opinion and that a hot tub would serve a therapeutic purpose in your case. This may help convince the insurance company to pay for your hot tub.

Is The Covered California Gold Plan Right For Me

• If you dont like deductibles, then lets talk more. Not everyone has extra savings lying around to cover a deductible, but would rather pay a little more per month for a plan with copayments they can afford. If you are the kind of person who doesnt want a plan with a deductible, i.e. the Minimum Coverage, Bronze or Silver plan, and you dont like the price tag of the more expensive Platinum plan, then the Gold may be just right for you.

• You need specific medical services. Advanced lab work such as an MRI, CT, or PET can be pricey on a plan with a deductible. If you anticipate the need for these services, have a scheduled surgery, or are at high risk for occasional hospital visits then this plan should be up for serious consideration.

• If you only frequent the doctors office, typically take generic drugs, and are not exposed to risk that takes you to the hospital often, then you may want to look closer at the Silver Plan to see which plan is going to be to your advantage. Remember, if you can pay the deductible on the Silver plan if needed, then the savings in premium per month is extra money in your pocket.

Price: $$$

You May Like: What To Put Under Above Ground Pool On Grass

How Does It Work

Supplementary health and dental insurance policies are contracts between you and an insurance company. You agree to pay a yearly or monthly fee called a premium, and the company agrees to pay the benefits which are covered under your policy. Your policy will outline what is included and what is not.

Here are some common features of supplementary health and dental insurance:

• Most policies do not cover 100 per cent of your medical expenses. You may have to pay some of the medical expenses you and your dependants incur. This is known as the deductible. Each policy is structured differently and you might have family deductibles or per service deductibles .
• Some plans have a co-insurance feature in addition to the deductible. That means you have to pay a percentage, or co-insure, the medical expenses on top of your deductible. It could be 10 per cent of the eligible medical expense, or higher, and it may depend on the type of medical service required.
• You may also have dollar or percentage limits, or maximums placed on the amount of benefits that you can receive. Maximums can apply to specific health benefits like eyeglasses or massage therapy sessions in a specified period typically a year, or during your lifetime.

Why Would You Need Hot Tub Therapy

Hot tub therapy was briefly mentioned in the previous section. However, why would someone require such a treatment? The main reason why hot tub therapy could be useful in helping someone is if they are injured

That is not the only reason, however. Hot tub therapy, also known as a type of hydrotherapy, confers significant and diverse benefits to those who utilize it properly.

It is not necessary to have an injury in order to benefit from such a treatment and hydrotherapy does so much more.

Read Also: Swimming Pool With Hot Tub

Also Check: How To Prevent Algae In Pool

What To Know About Gold Plan Health Insurance

Lisa Sullivan, MS, is a nutritionist and health and wellness educator with nearly 20 years of experience in the healthcare industry.

A gold plan is a type of individual/family or small group health insurance that pays, on average, 80% of covered healthcare expenses for a standard population. Plan members pay the other 20% of healthcare expenses with their copayments, coinsurance, and deductible payments. This article will explain what you need to know about gold plans, and tips for deciding which metal level plan will best fit your needs.

To make it easy to compare the value youre getting for the money you spend on health insurance premiums, the Affordable Care Act created new coverage categories for individual/family and small group plans . These plans are divided into levels, or tiersplatinum, gold, silver, and bronzebased on their actuarial value.

All of the health plans of a given level offer roughly the same overall value. For gold-tier plans, the value is 80%. Platinum plans offer a 90% value, silver a 70% value, and bronze a 60% value. In each case, theres an acceptable actuarial value range of -4/+2 for silver, gold, and platinum plans, and -4/+5 for bronze plans .

Read Also: Who Passed Away On Gold Rush

Blue Cross Blue Shield Medical Insurance: Our Thoughts

Blue Cross Blue Shield insurance offers a variety of coverage types including dental, vision, short-term medical and individual major medical. Specifically, BCBS provides Affordable Care Act major medical plans for new enrollees in all but three states: Mississippi, Nebraska and South Dakota. Existing members may be able to continue their current coverage in these three states.

Some BCBS companies do business in multiple states. For example, a BCBS entity called CareFirst covers Maryland, Virginia and the District of Columbia. Other BCBS businesses, such as Horizon Blue Cross and Blue Shield of New Jersey, operate in a single state.

You May Like: How Much Is Italian Gold Worth

Don’t Miss: How Much Are Swimming Pools At Walmart

Does Medicare Cover Hot Tubs

Yes, if you have Medicare Part B coverage. There are several caveats to get coverage, though.

First, your doctor must deem a hot tub medically necessary and write you a prescription. Your doctor must participate in Medicare, though were assuming thats already the case.

Then, you have to find a manufacturer who also works with Medicare.

You may still have to pay for 20% of the cost, and plan deductibles apply.

Blue Ppo Gold Plan Costs

Health insurance costs include monthly premium payments, individual/family deductibles, out-of-pocket expenses, copayments, and coinsurance. Here is what you can expect with Gold® plans:

• Individual in-network deductibles ranging from $1,000 to $3,250
• $10 or $30 office visit copayments
• $0 or $10 copayments for generic prescription drugs
• Coinsurance of 100% to 80% percent of services provided in-network, after deductible and copayments are met
• Annual out-of-pocket maximum of $3,250 and $3,500 for individuals and $9,750 or $10,500 for families, depending on the plan

Recommended Reading: Does Homeowners Insurance Cover Pool Damage

Teleconsultations Free Of Charge In The Comfort Of Your Home

A confidential and secure service available

We are proud to support the well-being of our clients by offering them virtual health care included free of charge with select Ontario Blue Cross® health insurance plans.

Thanks to this service, our clients can benefit from immediate medical support from their computer or mobile device, without leaving home.

Professional Statements And Societal Positions Guidelines

Not Applicable

Internal Medical Policy Committee 1-22-2020 Coding update

• Adding new codes as non-covered

Internal Medical Policy Committee 7-22-2020 Annual Review

Internal Medical Policy Committee 11-19-2020 Coding update

• Added N18.30 N18.31 and N18.32

Internal Medical Policy Committee 3-17-2021 Coding update:

• Added E0350, E0352, and K1013

Internal Medical Policy Committee 5-20-2021 Coding update:

• Removed A4520, A4554, T4521, T4522, T4523, T4524, T4525, T4526, T4527, T4528, T4529, T4530, T4531, T4532, T4533, T4534, T4535, T4536, T4537, T4538, T4539, T4540, T4541, T4542, T4543, T4544 these appear on policy O-27.

Internal Medical Policy Committee 9-21-2021 Coding update:

• Added procedure code A4453
• Added Covered procedure code A4459
• Added non-covered procedure codes E0350 and E0352.

Internal Medical Policy Committee 3-23-2022 Revision with coding update

• Added procedure code A9280 to the list of Non-covered Items.

Internal Medical Policy Committee 5-24-2022 Revision

• Adding procedure code E1399 – to the Non-covered Procedure Codes table

Internal Medical Policy Committee 7-21-2022 Coding update – Effective September 05, 2022

• Adding E0673 to table

Read Also: Can I Put An Above Ground Pool In The Ground

Claiming A Tax Deduction For Your Hot Tub Or Swim Spa

The IRS stated in its opinion letter Index No.: 213.05-00, Section 213 allows as a deduction the expenses paid during the taxable year for medical care of the taxpayer, spouse, or dependent. Under § 213, an expense is for medical care if its primary purpose is the diagnosis, cure, mitigation, treatment, or prevention of disease. Notice the words primary purpose. Because a hot tub or swim spa or spa is of a particularly personal nature, you must establish that your hot tub or swim spa is primarily for the cure, mitigation, treatment, or prevention of disease before you can deduct the cost of your hot tub or swim spa on your tax return. You may be able to claim your hot tub or swim spa as a tax deduction even though you also derive pleasure from it and even though someone else such as your spouse may use the spa, if you are buying the hot tub or swim spa or spa primarily to relieve pain due to an injury or disease.

You can also claim a deduction for the hot tub or swim spa as a capital expense even if it is an improvement to your home.

Donât Miss: Jacuzzi J-315 Hot Tub Cover

Waithot Tubs Are Covered By Insurance

WHAAAAAAAT?!?!

I know. Its crazy good news.

Heres the thing: To get a hot tub covered by insurance, you have to have an actual medical need for it. Like injury. Spine problems. Etc. If you do, asking your doctor if s/he thinks hot tub therapy would help certainly doesnt hurt.

If they do think it would be beneficial to your situation, make sure they write a script. From there, call your insurance company. If youve got the Rx, and your policy doesnt specifically state that a hot tub isnt covered, it should count as a qualifying piece of durable medical equipment . Durable medical equipment is covered on many plans.

If its not, and you still really want and can afford that hot tub, take the prescription with you when you buy it. That will eliminate the sales tax.

Plus, if insurance doesnt cover the hot tub, it could be tax-deductible as a medical expense. So is the electric youll use to run it.

Be very careful here, though. If youre throwing hot tub parties or your family is using it, you could run into some serious trouble if you get audited.

Buying a hot tub sans insurance company? Just because its tax deductible doesnt mean you shouldnt score a great deal. Make sure to check out sites like Groupon before making your purchase.

Read Also: How To Clean Jets On Jacuzzi Tub

Recommended Reading: When Is The Best Time To Open Your Pool

Can You Deduct The Cost Of A Hot Tub Or Swim Spa 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 or swim spa, you cannot also deduct the cost of the hot tub or swim spa on your tax return. If you deduct the cost of your hot tub or swim spa 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 years tax return.

What Will You Have To Pay

Youll pay monthly premiums for the health plan. Gold plan premiums tend to be more expensive than plans with lower actuarial value because gold plans pay more toward your healthcare bills than silver or bronze plans do. Gold plan premiums will usually be cheaper than platinum plan premiums because gold plans pay a lower percentage of healthcare expenses than platinum plans pay.

But those intuitive pricing guidelines dont necessarily apply anymore in the individual market. The normal pricing scalebronze plans generally being least expensive, followed by silver, then gold, then platinumhasnt necessarily held true in recent years.

Because the cost of cost-sharing reductions has been added to silver plan premiums in most states since 2018, its possible to find gold plans in many areas that are less expensive than silver plans. This does not apply in the small group market, however, because CSR benefits arent available on small group plans .

In addition to premiums, youll also have to pay cost-sharing like deductibles, coinsurance, and copays when you use your health insurance. How each plan makes members pay their 20% share of overall healthcare expenses will vary. For example, one gold plan might have a high $2,500 deductible paired with a low 10% coinsurance. A competing gold plan might have a lower deductible paired with a higher coinsurance or more copays.

You May Like: How Much Is Black Hills Gold Jewelry Worth

You May Like: How To Detect Pool Liner Leak

Important Notices And Disclaimers

• The information shown here is a summary of benefits for informational purposes only. Review the official plan documents for a detailed description of coverage benefits, limitations, and exclusions. Only the terms and conditions of coverage benefits listed in the policy are binding.
• The benefits listed may be contingent on your use of physicians, hospitals, and services within the specific insurance companys provider network.
• The Copayment, Deductible, and Coinsurance amounts are your share of the costs for covered benefits. These amounts are subject to change.
• Each insurance carrier may have unique Notices, Disclaimers, and Fees. Please check below for information regarding the plans and carriers you selected.
• The quotes or rates shown above are estimates only. Your premium is subject to change based on the optional benefits you selected, if any, and other relevant factors, such as changes in rates that take effect before your coverage start date. The insurance company always determines your actual premium. Insurance companies reserve the right to change the terms of a policy upon proper notification.
• The Summary of Benefits & Coverage can be found at healthcare.gov. A paper copy of this Summary of Benefits & Coverage is available upon request by calling our toll free number. Click here to view the Uniform Glossary of Coverage and Medical Terms.

Are Massages Covered By Health Insurance

Are you in desperate need of a massage?

Well, you may be able to get that covered, too. Especially if you have chronic back pain, were in an accident, or see a chiropractor/physical therapist regularly. If you have pain, talk to your physician about it. If you can get a prescription from any of these medical specialists for massages, insurers will often cover the therapy.

Dont know where to find a masseuse in your area? Use Spafinder Wellness 365s search tool.

Also Check: What Is Needed To Install An Above Ground Pool

Will Health Insurance Pay For A Hot Tub

Although most people wouldnt consider the question whether hot-tubs are covered by insurance or not, it is still a good question to ask. Hot tub therapy can provide many benefits to its users and can be prescribed by a specialist. Those troubled by joint and muscle pain as well as poor circulation would stand to benefit from this kind of therapy. With a prescription for these and more ailments, insurance companies will probably cover the acquisition of a specialized, one-person medical hot tub. In the case that the claim is not directly approved, having a specialist talk to the insurance or appealing the claim may get the desired results.