Explain your health condition and stress that your doctor recommended yoga as a treatment. If it’s not clear, contact your insurance company’s customer service department. It may state that alternative therapies like massage, yoga, and acupuncture are not covered. This list details what services your plan will not cover under any circumstances. To find out, check your plan’s list of excluded services. When reviewing your health plan documents, it may not be immediately obvious if your plan covers yoga or not. 8 How Do I Find Out if My Insurance Covers Yoga? If a licensed healthcare provider diagnoses you with a medical condition and recommends that you attend yoga classes as part of your treatment, the cost for these classes is often reimbursable from your HRA, FSA, or HSA. You can use the FSA to cover medical expenses that your health plan doesn’t cover. Flexible Spending Account (FSA): An FSA can be created with an employer-sponsored plan or an individual plan.Health Reimbursement Account (HRA): Your employer owns your HRA account and contributes money to it. An HSA is an account you fund before taxes to pay for eligible healthcare expenses. Health Savings Account (HSA): If you have a high-deductible health plan, you may have an health savings account (HSA).If you have a savings account for medical expenses or get reimbursed for insurance expenses from your employer, you can use those funds to reimburse yourself for eligible healthcare expenses. There is one exception – you may be able to get coverage if your prescribed physical or occupational therapy includes yoga. States administer their own Medicaid programs, so some could include additional benefits like physical therapy and occupational therapy. Medicaid’s mandatory benefits include inpatient and outpatient hospital services, physician services, and laboratory and x-ray services. Medicaid doesn’t typically cover yoga classes. 5 In some cases, you can get free access to fitness equipment and group exercise classes, which may include yoga classes. Medicare Advantage plans may offer services, such as vision, dental and wellness programs, that Original Medicare does not. However, you may be able to get coverage for yoga classes if you have Medicare Advantage. If you enrolled in Original Medicare, your plan doesn’t cover gym memberships or fitness programs. It does not require insurers to cover alternative or complementary medicine, which is how yoga is usually classified. The ACA requires insurance companies to provide coverage for lab services and mental health services. Plans through a state or federal health insurance marketplace don’t cover yoga classes or gym membership fees. 2 Insurance through the Affordable Care Act (ACA) A handful of plans will cover alternative therapies like acupuncture and yoga, but they may be prohibitively expensive. If you get insurance through an employer, it likely doesn’t include coverage for yoga classes. Search Now Insurance through your employer
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