I offer a 1 free session with people to broaden my possible scope of clients. At the end usually the only problem is the price. Do you know if some health insurance companies cover Personal Trainers? I’m fairly certain the demand for PT’s would go up as a whole if people had the option to pay with their medical insurance.
Also, here are two links to insurers I’ve worked with in a previous life (I was a pharm rep before becoming certified!) who offer coverage that would cover personal training. Please remember that this doesn’t mean the client has bought or was offered through their company this coverage.
Yes and No. As a general personal trainer, as of right now, no, the cost of a personal training session would not be covered by insurance.
However, if as a trainer you work as part of a company’s wellness program, which has been approved and covered by the insurance offered by that company (usually they have a tier system and you can opt in or out of the wellness program – often offering insurance premium deductions if participating in a smoking cessation plan or obesity program, etc), then you may be able to get the sessions partially covered or a premium deduction offered.
Also, as a trainer, if you find out the largest insurers in your area, you can call them and see if, what or how they cover personal training. Some may cover part of training fees through an FSA, or with medical documentation or if you hold additional certification in a special population. If you go this route, you may have to present your case to the insurer to cover you and your practice, document your certification/education and ability, be able to bill the insurance company (an arduous process), agree to their fee/payment structure, etc. Its not always as simple as, covered or not covered.
If you’re really interested in pursuing this route, there may be some opportunities for it. Good luck!
Hi Bryant. One of the reasons given for the movement towards, and discussion about licensing for personal trainers, and for establishing some national guidelines for our practice and industry is exactly what you’re asking about. Not only would/could this open the door for direct health insurance reimbursement for personal training but also the closely related effect of then having more physicians write prescriptions for their patients, knowing that their patient’s will receive some insurance coverage and not have to pay totally out of pocket.
In related posts here on IDEA several people answered a question regarding licensing for personal trainers stating that it’s a bad idea and should be fought. While that “may” be true (and I’m not saying that I believe that that is true), some of those same folks clamor for health insurance coverage. This is a very sticky and controversial topic and definitely not one that I want to start a lot of back and forth on. But I will say that if we as certified personal trainers and other fitness professionals truly want to see the day that our clients are covered by health insurance to see us, we MAY need to yield a bit on our position that licensing and national standards are all bad.
All other healthcare providers that I know of who are reimbursed through health insurance ARE licensed (meaning regulated by their State of residence). We certified personal trainers need to understand that the chances that we’re going to EVER get one (health care reimbursement) without the other (State licensing etc) are probably slim and none. Pike your poison…