Medical insurance will cover medically necessary massage if it is part of your plan's benefits. Some plans will require that you have a prescription from your PCP (Primary Care Provider), while others do not. Plan benefits and coverage vary greatly, and so it is important to call your insurance plan's customer service number and talk to a representative about your specific plan.

I accept most medical insurance, some as an in-network provider, and some as an out-of-network provider.  Please find your insurance company or network on one of the two lists and then read the details regarding in-network or out-of-network billing.  If you do not see your medical insurance company listed, please call me at 206-234-9929 to discuss your plan.

I am an in-network provider for:

• Aetna
• Alternare Network
• American Chiropractic Network
• American Whole Health Network
• Anthem/WellPoint/InTune
• Blue Cross Blue Shield of Tennessee
• Cigna
• Corvel
• First Choice Health (1st Choice)
• Great-West Healthcare
• Group Health Options, Inc. (FCHN)
• Health Allies
• Health Care Direct Network
• Healthways Network
• Medical Resource, LLC client plans (AIG, Protective Life, Western Benefits, etc.)
• Mutual of Omaha (FCHN)
• Premera/Blue Cross
• Uniform Medical Plan
• United Health Allies
• United Healthcare
• US Family Health Plan - More Benefits Discount Program

Clients with an insurance plan that is underlined, get a 20% cash discount off the full hourly rate, and pay at time of service. Other insurance plans listed as in-network have co-pays and deductibles (as applicable for your specific plan) due at time of service.

I am an out-of-network provider for:

• Group Health
• Pacificare
• Regence/Blue Shield

Your insurance plan may or may not provide for out-of-network providers and benefits.  Please check with your insurance company to verify your coverage.  Typically out-of-network benefits have slightly different coverage than in-network, but one really has to look at the numbers to know what the real cost-to-you difference is.  For example, if your in-network co-pay is a flat $15, and your out-of-network co-pay is 20% of the billed amount, then the difference between in-network and out-of-network is only $2.  (This calculation is based upon an $85 billed amount, where a 20% co-pay equals $17.)  Most people are willing to pay an extra $2 to get a better level of care.  Look at the numbers and figure out what the true cost difference is so you can make an informed decision.

If medical insurance will be covering the payment of your session(s):

• Before your first appointment, please verify with your insurance:
  • Massage therapy provided by a massage therapist as a plan benefit.  Some plans only allow for massage therapy provided by a doctor, chiropractor, or physical therapist... make sure that is not your plan.
  • Your current deductible and co-pay for your plan.
  • Verify Mark Pearlscott is listed as an in-network, or preferred provider.  If not, find out what your plan's coverage is for out-of-network massage therapy.
• Bring the following with you to your first appointment:
  • Prescription from your PCP (Primary Care Provider) if required by your plan.
  • Identification (driver's license/state ID)
  • Medical insurance card
  • Co-pay (if applicable)
  • Payment for the session if your insurance plan has a deductible that has not been fulfilled. Deductibles are renewed each year, or at the start of a new policy. Please contact your insurance company to find out if you have a deductible, and whether it has been fulfilled.
• For follow-up appointments, please bring:
  • Co-pay (if applicable)
  • Deductible (if applicable)

I know that getting your insurance to cover the therapy you need can seem to be a daunting task... If you need help verifying your coverage, I will be happy to assist you.  Please call me at 206-234-9929.