Health Insurance for Massage Therapists
MASSAGE Magazine Insurance Members Have Access to Health Insurance
With the ever-present risk of viruses, allergies, injuries, and other ailments, it is more important than ever to have access to health care. Specifically, as a massage therapist, it is vital to take care of yourself so that you can provide the best care for others. Performing massage is tough on your body and can take its toll over time. In addition, most massage therapists are self-employed, which is terrific; however, as a self-employed worker in the massage industry, it can be challenging to find affordable health insurance for massage therapists.
That’s why MASSAGE Magazine built an Insurance Plus Marketplace where our insurance members can access group rates on health, dental and vision insurance plans for you and your family.
How It Works
When you become a Massage Magazine insurance member by purchasing a liability insurance policy, we are able to provide you with access to our Insurance Marketplace where you can book one-on-one consultations with expert advisers to help you find the right health insurance plan for your specific needs and to make sure you get every discount that you qualify for.
With options for both ACA (Affordable Care Act) massage therapy health insurance plans and Non-ACA massage therapy health insurance plans, you have a range of options to get the ideal coverage for your budget and health care needs. Need dental or vision coverage too? We’ve got you covered.
Once you become a member, you will be able to access this coverage through your member benefits program in your insurance portal.
Three Liability Insurance Options To Choose From
part-time policy
Only practice part-time? Save $20 on coverage with our part-time policy
$
149
/1yr
1 year policy
This policy was built for the full-time massage therapist and bodyworker
$
169
/1yr
2 year policy
Purchase our two-year policy option and lock-in an annual rate of only $145.
$
289
/yr
Why do massage therapists need health insurance?
There are several benefits to protecting yourself with health insurance. Unfortunately, the likelihood of health risks has undoubtedly increased over the past few years, and health insurance has become necessary to help cover medical costs.
Gaining health insurance for massage therapists provides a financial safety net to help protect you from the price of a medical ailment or medical attention for an injury.
Some of the reasons you need health insurance are:
- Giving massages is tough on the body. As a massage therapist, you likely work long hours on your feet performing massage. This intense bodywork places a good amount of strain on your body and can eventually cause injury. The everyday work that massage therapists do with their arms, back, thumbs, and hands is hard work that can weigh on you if you do not take proper care of yourself.
- Illness can happen to anyone. One of the unfortunate lessons we have learned from the effects of a global pandemic is that everyone is susceptible to sickness. Illnesses like COVID-19, the flu and the common cold do not discriminate against anyone. Getting the necessary medical help to be well again is vital to help avoid long-term complications. Even the cost of visiting an urgent care center can prove to be unaffordable without some sort of health coverage.
- Maintaining your personal health helps you provide the best massage therapy. It goes without saying that you are not able to provide massage therapy if you are sick or injured. Having health insurance for massage therapists enables you to have regular visits to the doctor to monitor and maintain your personal health. By keeping yourself well taken care of, you are able to avoid missing appointments with clients due to illness.
- You have a pre-existing condition that requires special treatment. If you have a pre-existing condition like asthma or diabetes, you will need access to frequent therapy, tests, and medical examinations to maintain your condition. Fortunately, the ACA has made coverage for pre-existing medical conditions much more accessible. With an ACA major medical insurance policy, medical supplies, tests, and doctor visits are much more affordable.
Learn more about why you need health insurance for massage therapists here.
The Perfect Health Insurance Plans for Everyone
A key benefit to this health insurance plan is the access to a wide array of options where you can choose which health insurance plan best fits your budget, health care needs, and other factors. There are two main accessible classes for health insurance for massage therapists: ACA (major medical) and Non-ACA (short-term) plans along with dental and vision add-on options.
Although the two types of health insurance coverage for massage therapists have some distinct differences, both are centered around meeting your health care needs. No matter what your medical needs are, there is a massage therapy insurance plan to meet your health care requirements.
ACA Major Medical Health Insurance for Massage Therapists
The first and most comprehensive insurance coverage is through ACA major medical plans. Major medical plans have several positive benefits as well as a few downsides to consider. Depending on your level of coverage needs, an ACA plan may be exactly what you need. Overall, ACA health insurance programs are more comprehensive, offer better coverage for those with pre-existing conditions, and provide more coverage for consistent medical maintenance.
Some of the best benefits of major medical insurance are:
- Major medical offers more comprehensive coverage. As one of the best points in favor of an ACA plan, major medical plans cover more than a short-term non-ACA insurance plan. ACA health insurance coverage will include some prescription drugs, hospitalization, maternity costs, and doctor visits. This means that the cost of maintaining your health on a consistent basis will cost you less when you have to seek medical attention.
- You cannot be denied coverage because of a pre-existing condition. For those living with a pre-existing medical condition, major medical plans help provide consistent coverage for the necessary care and medications to manage your health. A major medical plan cannot be denied to you for having these conditions, whereas some short-term plans can be rejected for a pre-existing condition.
- Major medical plans are renewable. As long as the health insurance package is still available, you can renew your plan yearly. Short-term health insurance plans must be reapplied annually, which can be a hassle and inconvenience.
Although health insurance benefits for massage therapists through ACA major medical plans are great, there are some negatives to consider. Some of the downsides to think about are:
- ACA health insurance plans have a higher monthly premium. Because major medical plans offer more benefits and coverage than short-term insurance, they have a higher monthly premium. This upfront cost will vary from plan to plan but is still a major contributing factor when finding the right health insurance for massage therapists.
- ACA plans have limited application windows. Unlike short-term plans where you can apply year-round, major medical plans have specific times of the year or require particular prerequisites. These requirements can deter some from choosing an ACA health insurance package.
- ACA health insurance plans take longer for coverage to take effect. On average, a major medical plan will take 4-6 weeks for coverage to become active. Short-term coverage usually begins within 10-14 days.
Non-ACA Short-Term Health insurance for Massage Therapists
In contrast to major medical coverage, non-ACA packages can be a more affordable option for health insurance for massage therapists. However, it is not as comprehensive as major medical. Short-term health insurance provides a just-in-case parachute of protection for medical issues. Non-ACA plans typically help cover the cost of emergency medical situations, doctor visits, and unexpected surgeries. However, short-term health insurance will not cover the cost of treatment for some pre-existing conditions.
Non-ACA plans typically help cover the cost of emergency medical situations, doctor visits, and unexpected surgeries. However, short-term health insurance will not cover the cost of treatment for some pre-existing conditions.
Some of the benefits of choosing a short-term plan for your massage therapist's health insurance are:
- It is often easier to qualify for short-term health insurance. Because non-ACA health insurance has fewer restrictions on applications, they are often more accessible. You can apply for short-term insurance at any point in the year, regardless of open enrollment or meeting the prerequisite life changes.
- Non-ACA plans cost less than ACA plans. On average, short-term health insurance plans have a lower monthly premium than ACA. If you have fewer medical issues, the lower monthly cost of a non-ACA plan may be correct for you.
There are some downsides to consider when looking at non-ACA plans, such as:
- Non-ACA plans offer less overall coverage. While they cost less per month, short-term health coverage will typically not cover things like maternity costs and other medical conditions.
- No coverage for pre-existing conditions. While non-ACA plans typically cover new conditions, short-term health insurance plans do not cover most pre-existing conditions. This means the treatment could be denied for coverage, and you may not be able to maintain your health with full coverage.
- You need to reapply every year for a non-ACA plan. Unlike major medical plans, you need to reapply for short-term coverage at the end of the coverage. This could be tiresome over time.
- Non-ACA plans are not eligible for government subsidies. Unlike major medical plans, short-term health plans do not qualify for government subsidies. This means that while it is cheaper overall, there is no government aid for non-ACA plans.
Find the Plan that Meets Your Needs
There's much to consider when looking at health insurance for massage therapists. Look at the massage therapist insurance plan that fits your budget and medical care needs. Contact our team to learn more about the benefits we offer for policyholders of massage therapy insurance.
The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Arthur J. Gallagher Risk Management Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Arthur J. Gallagher Risk Management Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Arthur J. Gallagher Risk Management Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by Arch Specialty Insurance Company, which is rated A+(Superior) by A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. 3948 3rd Street South #279, Jacksonville Beach, FL 32250