I'm writing to you because I just had a client ask me if their personal training sessions could be covered by their insurance. As someone who is always trying to stay ahead of the curve, I thought it might be helpful for me to share my thoughts on this with everyone.
The short answer is “yes and no." But here's why: the Affordable Care Act (ACA) does not require insurers to cover personal training services. However, some insurers may choose to include coverage for these services in their plans. If your insurer does not offer personal training coverage, you can still get a discount from your trainer by paying out-of-pocket and submitting a receipt as part of your deductible/coinsurance payment requirement.
Remember, though—even if your plan does offer personal training coverage, there are many other factors that play into whether or not your trainer will be able to accept it as payment. For instance, if you have an HMO plan (which means that all treatments must go through an HMO doctor), then the decision about whether or not to accept payment from an HMO doctor may take precedence over any other considerations. The best thing to do is check with your trainer
How to get personal trainers covered by your employer or insurance company.
Many people are surprised to learn that personal training can be covered by insurance, and that it's a relatively common benefit for employees who work with a trainer.
This is because many insurance companies see the value of having an exercise program in place for their clients. It's not just about keeping your body healthy—it's also about keeping your mind healthy! A good exercise plan can help reduce stress, improve sleep quality, and improve mental focus.
The key here is that you should be working with a professional trainer who has experience writing workouts for clients with medical conditions or injuries. They'll be able to tailor the workout to your individual needs so that it's safe and effective for you.
The longer answer is that it depends on what kind of coverage you're looking at. Here's a breakdown:
-If you have a high deductible plan and you're paying for your own sessions, then yes, your personal training sessions can be reimbursed (up to the amount of your deductible). This means that you'll be able to pay for your sessions with cash or credit card and then submit them to your insurance provider for reimbursement.
-If you have a low deductible plan, then yes, your personal training sessions will be covered by insurance—but only if they're done as part of an overall wellness program (for example, if they're done through a gym that offers group classes). If they are being done independently in conjunction with some other form of exercise (such as running), then they will not be covered by insurance because they would not be considered part of an overall wellness program.