Does Humana Medicare Advantage Cover Massage Therapy?

In the vast landscape of healthcare options, understanding the specifics of your coverage can be a daunting task. A case in point is the intricate relationship between Humana Medicare Advantage and massage therapy.

With its potential to alleviate pain and enhance well-being, massage therapy has emerged as a coveted service. But, does Humana Medicare Advantage cover massage therapy? Let’s navigate this together and find out if it does.


Key Takeaways


  • Humana Medicare Advantage plans cover alternative therapies such as acupuncture (limited to 20 visits/year for chronic pain), chiropractic care (primarily for spinal subluxation), and various forms of physical therapy, which can be considered if massage therapy isn’t covered.


  • Humana Medicare Advantage plans offer additional benefits that Original Medicare and Medigap do not, such as vision, dental, hearing, wellness programs, and prescription drug coverage, though costs and coverage details can vary widely across different plans.

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Humana Medicare Advantage and Massage Therapy Coverage

The connection between Humana Medicare Advantage and massage therapy can be described as conditional. Not all Humana plans cover massage therapy.

However, there is a silver lining for those who’ve been prescribed this therapy by a physician. Massage therapy is recognized for its therapeutic potential which fosters relaxation and mitigates stress.

Under specific circumstances, massage therapy may be eligible for coverage. If deemed medically necessary, and conducted by a licensed therapist as part of outpatient physical therapy, Humana Medicare Advantage may extend coverage. However, the coverage is not universal across all plans, offering varying degrees of benefits.


Massage therapy

Eligibility criteria for coverage

The term ‘medically necessary’ plays a pivotal role in determining coverage eligibility. Therapies deemed essential by medical professionals and administered by licensed, Medicare-certified therapists may be covered.

This stipulation underscores the fact that while massage therapy can be an effective form of treatment, its coverage is largely dependent on the therapeutic context in which it is prescribed.

Therefore, discussing this with your healthcare provider and insurance representative is highly recommended.


Varying coverage between plans

While some Humana Medicare Advantage plans do extend coverage for massage therapy, others may not. Plans such as HMO and PPO plans might include massage therapy as an additional benefit, but the scope of this coverage may vary.


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The extent of coverage can differ depending on the type of plan and the terms of the Medicare contract. Thus, it’s not only vital to determine if your plan covers massage therapy, but also to comprehend the scope of the coverage.

Alternative Therapies Covered by Humana Medicare Advantage

If massage therapy isn’t covered under your plan, don’t despair. Humana Medicare Advantage plans may provide coverage for alternative therapies, including acupuncture, chiropractic care, and physical therapy.

These therapies offer a range of health benefits and could be a viable alternative to massage therapy.


Does aarp medicare advantage cover massage therapy Incorporating these therapies into Humana Medicare Advantage plans demonstrates the company’s dedication to offering comprehensive healthcare solutions to its members. Bear in mind, however, that coverage for these therapies may vary across different plans.




Acupuncture, a therapy rooted in ancient Chinese medicine, has gained recognition as an alternative treatment for its effectiveness in managing chronic pain. Humana Medicare Advantage plans provide coverage for up to 20 acupuncture visits per year for qualifying conditions.

The potential benefits of acupuncture extend beyond pain management, encompassing overall well-being and relaxation. However, the specific coverage details, including co-payment amounts, may vary depending on the specific plan.


Chiropractic care

Chiropractic care, another alternative therapy, is also covered under Humana Medicare Advantage. This includes visits to a chiropractor for the diagnosis and treatment of specific conditions.

Specifically, Medicare Part B provides coverage for spinal manipulation for diagnosed spinal subluxation. However, some Humana Medicare Advantage plans may provide additional coverage for chiropractic care.


Physical therapy

Physical therapy is a standard benefit included in Humana Medicare Advantage plans, ensuring equal access to care regardless of national origin, age, disability, or other factors. It plays a critical role in pain management and recovery from various conditions.

Humana Medicare Advantage covers a variety of physical therapy treatments, including:


  • Aquatic therapy
  • Group therapy sessions
  • Individual therapy sessions
  • Occupational therapy
  • Speech therapy


This wide range of options ensures comprehensive care for beneficiaries.

Comparing Humana Medicare Advantage to Original Medicare and Medigap

Humana Plan Medicare Advantage plans offer a broader Medicare coverage spectrum compared to Original Medicare and Medigap plans. These plans may include additional benefits such as:


  • Vision
  • Dental
  • Hearing
  • Wellness programs


Moreover, private insurance companies offering Humana Medicare Advantage plans, including Medicare Advantage HMO and Medicare Advantage HMO PPO options, often provide a greater array of preventive care services than Original Medicare and Medigap.


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However, the costs of these plans, including premiums, deductibles, and out-of-pocket maximums, can vary widely.


Original Medicare

Original Medicare does not medicare cover massage therapy, unless it is deemed medically necessary and provided by a licensed therapist. This means that unless it is included in a covered physical therapy treatment plan and not billed separately, massage therapy would not be covered.

While Original Medicare provides coverage for a wide range of healthcare services, it does not typically include alternative therapies or wellness programs, which are commonly included in Humana Medicare Advantage plans.



Medigap, also known as medicare supplement insurance, is available from private providers in states like md me mi mn and complements the coverage provided by Original Medicare. However, Medigap does not provide coverage for massage therapy.

While Medigap can assist in covering the individual’s portion of expenses for services under Original Medicare, it does not typically extend to alternative therapies or wellness programs.

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Tips for Finding Affordable Massage Therapy Options

If your Humana Medicare Advantage plan does not cover massage therapy, or if you are looking to supplement your coverage, there are several ways to find affordable massage therapy options. These can range from package deals to sessions with student therapists and community clinics.

These options offer an affordable means to include massage therapy in your wellness routine. Even though it might require some research and perhaps a readiness to try new things, the potential health and well-being benefits could outweigh the effort.


Package deals

Package deals offer a cost-effective way to regularly incorporate massage therapy into your wellness routine. These deals offer a predetermined number of massage therapy sessions at a discounted rate, often saving you between 10-30% off the regular price.

Not only do package deals save you money, but they also encourage regular therapy sessions, which can enhance the health benefits you receive. Whether you choose a package of five or ten massages, these deals can make massage therapy more affordable.


Student massage therapists

Another cost-effective option is receiving massages from student therapists. These sessions are generally more affordable than those with professional therapists, with prices starting as low as $50.


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While the therapists are students, they receive thorough training and supervision to ensure the quality of the massage. This option provides a win-win scenario where the student gains experience and the client receives an affordable, quality massage.


Community clinics

Community clinics, hospitals, and nonprofits may also offer affordable massage therapy services. These organizations often offer income-based pricing, making massage therapy more accessible to people with varying income levels.

Whether you choose to visit a local hospital, a nonprofit organization, or a community clinic such as IntelliTec College’s Massage Clinics, these options provide a valuable resource for affordable massage therapy.

Additional Benefits of Humana Medicare Advantage Plans

In addition to the potential for massage therapy coverage, Humana Medicare Advantage plans offer a variety of additional benefits. These range from wellness programs to prescription drug coverage, enhancing the value of these plans.

These added benefits go beyond mere coverage, offering resources and incentives that aid members in sustaining and enhancing their health. Whether it’s assistance with managing medications or encouragement to remain active, these benefits can significantly contribute to your overall wellness.


Wellness programs

Wellness programs are a significant component of Humana Medicare Advantage plans. These programs range from Sharecare rewards to the Go365 well-being & rewards program, and SilverSneakers fitness program.


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These wellness programs are designed to motivate members to engage in healthy activities and maintain an active lifestyle. They can significantly enhance the value of your plan by providing resources and incentives for staying healthy.


Prescription drug coverage

Prescription drug coverage is another key benefit of Humana Medicare Advantage plans. These plans cover a broad spectrum of prescription drugs, from commonly prescribed generic drugs to rare brand-name drugs.

The specific coverage details, including co-payment amounts and deductibles, may vary depending on the specific plan. It is crucial to check the Drug List for your plan to understand your out-of-pocket expenses for medications.

How to Choose the Right Humana Medicare Advantage Plan for You


Does humana cover ymca membership To choose the right Humana Medicare Advantage plan, it’s necessary to evaluate your healthcare needs meticulously and compare the available options.

Factors such as your health conditions, lifestyle, and choice of providers can impact which plan suits you best.

Whether you require regular physical therapy sessions, have a specific medication that you take regularly, or prefer to visit certain healthcare providers, these factors should be considered when choosing your plan.



Assessing your healthcare needs

In evaluating your health insurance and healthcare needs, take into account your medical visit frequency, choice of healthcare providers, and present health conditions. If you require regular therapies or medications, make sure to choose a plan that provides adequate insurance coverage for these services.


Taking the time to clearly define and understand your healthcare needs can help you choose a plan that provides the best coverage for you. It’s also important to consider your lifestyle and wellness goals when choosing a plan.


Comparing plan options

After determining your healthcare needs, the following step is to contrast your plan options. Humana offers a variety of Medicare Advantage plans, each with its own set of benefits, coverage options, and associated costs.

Utilize the comparison tools available on Humana’s website or on to compare benefits, costs, and coverage of various plans. This can help you find a plan that best fits your needs and budget.


In conclusion, Humana Medicare Advantage plans offer a wide range of coverage options, including the potential for massage therapy coverage and alternative therapies. The eligibility and extent of these coverages vary depending on individual plans and healthcare needs.

Choosing the right plan involves assessing your healthcare needs and comparing plan options. With additional benefits such as wellness programs and prescription drug coverage, Humana Medicare Advantage plans provide a comprehensive healthcare solution.

Frequently Asked Questions



What does Humana Medicare Advantage cover?

Humana Medicare Advantage plans cover the same services as Original Medicare, along with additional benefits such as prescription drug coverage, vision, hearing, dental care, and other extra benefits. These plans also offer worldwide emergency care and fitness benefits through SilverSneakers.


Is Humana Medicare Advantage any good?

Yes, Humana Medicare Advantage plans receive high ratings, with 96% of members enrolled in a four- or five-star plan, and nearly all retirees in 4-star or above contracts. This demonstrates the overall quality and reliability of their Medicare Advantage plans.


What are the disadvantages of Humana Gold Plus?

The disadvantages of Humana Gold Plus include network limitations, prior authorization requirements, plan restrictions, and potential plan changes. Consider your coverage needs, cost considerations, preferred providers, and flexibility preferences to determine if it’s worth it for you.


What items are covered by the Humana OTC card 2023?

The Humana OTC card covers a variety of products including vitamins, pain relievers, toothbrushes, cleansing wipes, and more. It also covers OTC medicines, stomach remedies, and first aid supplies.


What are some tips for finding affordable massage therapy options?

Consider looking into package deals, sessions with student therapists, and community clinics to find affordable massage therapy options. These options can help you save on the cost of massage therapy.

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Russell Noga
( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.