are recalibrate’s services covered by my regular health insurance?
Sadly, most health care plans do not cover meditation services. However, an increasing number of health insurance plans are beginning to include our type of services but sometimes with limitations and exclusions. Make sure to reach out to your HR department or your insurer to find out exactly what is included in your plan and if there are any restrictions (such as services must be performed by a licensed medical doctor).
is there any way to receive financial assistance/coverage for recalibrate’s services?
Glad you asked!
Those who have an HSA or FSA account can speak with their insurance provider and human resources department to receive coverage. They will either:
1) pre-authorize the purchase so that you can use your HSA/FSA card to pay for sessions on-site, or
2) you will have to pay out-of-pocket and submit a receipt to be reimbursed later.
It may be required that you have a letter of medical necessity (see definition below) from your primary care physician, indicating that mindfulness sessions are important to your mental health. We recommend speaking with your physician and employer two to three weeks before you’d like to attend a Recalibrate session, to allow for enough time for verification and pre-authorization.
what are HSA and FSA accounts?
Health savings accounts (HSA) and flexible spending accounts (FSA) are offered by employers to decrease an employee’s income tax liability, and also allow you to pay for certain eligible medical type expenses. HSA funds expire every year, while FSA funds continue to add on with each year of employment.
what is a letter of medical necessity?
The letter of medical necessity is a statement from your primary care physician (see example here) stating that a certain service or program is important to a person’s health. It usually includes a a CPT/ICD diagnosis code and must be signed by a medical doctor (MD). HSA and FSA accounts can be used to cover meditation/mindfulness classes with this letter.
what services qualify for HSA/FSA coverage?
HSA/FSA funds can cover a variety of services from sunscreen to acupuncture to first-aid kits! Each employer is different, and what is/isn’t covered can vary by insurance provider and company. Connect Your Care and the FSA Store have lists of products and services that are eligible for most HSA/FSA accounts.
When in doubt, ask your employer!
are there any other ways to receive credits/benefits for recalibrate’s services?
If you have a wellness program through your employer, you can work with your HR department to allow for Recalibrate sessions to count as reward points for participating in wellness activities. These points can count toward employee incentives, such as lowering health insurance costs. Some company’s health insurance plans and wellness programs even provide a bank of funds to use specifically for our type of services!