Insurance receipt for massage refused.

[Simonsays]

I recently submitted some insurance receipts for massage to my company insurance company for compensation. They were all within the allowable limits as far as price goes. In the past I have never had a receipt refused. I got back a compensation cheque and 2 receipts stapled to the cheque. These two receipts were not compensated, nor was there any explanation of why they were not. The two receipts came from the same place and were issued under a recognized massage ass. The only thing I can think of is that the insurance companies are no longer recognizing some salons a places that they would compensate me for.This place does offer more than happy endings. Has anyone else out there been refused compensation for massage reciept

 

[Sassy]

Did you call the insurance company and ask why those receipts were returned uncompensated?

 

[Krystal]

Insurance coverages by a lot of companies hover around the $350-$500 range, if I'm not mistaken.

So the question is, why risk putting your name out there as a client of a place that may eventually
be outed as a tug shop? Sure, it's nice to get an insurable benefit out of it but for the little advantage an insurance receipt procures, why not remain anonymous and why even let a third party (insurance company) have records on you frequenting a place that may eventually expose you as a sexual services user or impact on your reputation if the info somehow gets out?

 

[karen t]

I presume that you were not over the limit for the number of "treatments" allowed for the year.
So maybe insurance companies have heard about eforum.xxx, massageplanet.net and other review boards, and are surfing the web for bogus receipts establishments. And I suspect that more will do the same in the future.
And maybe some members have been bragging about the level of service, including FS, they could get in this salon... HJ, can you confirm this, about this salon?
One more reason to be careful about the langage eforum.xxxites use in their MP reviews.
No need to exercise the same caution in SP reviews, they are not yet eligible to insurance benefits

 

[2009]

It is possible that insurance companies are now using the Net, blogs, social networking sites etc... to deter any potential fraud but I would be surprised if they would refuse payment based solely on the salon name without any proof that a massage did not take place regardless of extras.

The only thing I can think of is that the massage therapist is no longer in good standing with the association or the association itself is no longer a valid one?! I have had one claim refusal due to the fact the association was not recognized by my insurance company, even though I had submitted a prior claim with a receipt from the same salon. I resent it again and it was processed without any issues. Maybe it was just the individual doing your processing.

I will also say that when my claim was refused, I did not want to call the company and question them, only to be told, "Yeah, we know the place, it is a notorious rub n tug joint!!! That is why you did not get reimbursed!!! "

 

[Rock Kills Kristy]

If you do not want to hear it why put in the claim in the first place? What if they contacted you and asked you questions about your claim?

 

[DeeJay]

no matter what other service a therapist might agree to provide, if she is member of a recognized association, your insurance company must compensate you (a long as you are within the established limits). They are not doing charity here, you have paid for this insurance and they ought to honor it. I would not hesitate calling my insurance company about that. And if they would dare telling me this salon is a cover for other services, I would just say that I paid for a massage and the receipt is proving it. They cannot assume you did not receive a massage. Anything else that could have occured in the room is nobody's business.

 

[C.I.O]

We just lost our massage therapy coverage at my wotk. It cost 400k of massage for us. We had $ 600 per year.

Worst thing is they cancelled also naturopahty also. It cost 100k but I am sure someone told them that some massage therapists do sgin naturopathy recepits and 400k would have shifted to naturopathy.

Too bad.

Guys enjoy it will you can !!!

 

[mystic_eye 1 of 3]

I had made several claims prior with the same receipt and salon without any problems. Then one time, they refused it. If they were to question it, I would say what Chucky posted.

 

[Nibbles]

The massage therapist may not be in good standing with the massage association, you can call and find out what here status is. The association tel. number is on the receipt.

 

[blue heart]

I'm with Jack Bauer. As it is, hobbying is risky at best. Putting your privacy out there to get back some coin from a major insurer via your employer no less is, to put it mildly, ill advised and lacks logic.

 

[mommy & wife]

The overall premise of insurance companies is to promise great things in advance and to then never deliver, to find some obscure reference to deny the claim, after they have soaked up all of your premium payments. So don't be surprised when they tell you that you are a stupido for thinking that you had coverage but then "tough luck, up yours buddy!".

A friend of mine once bought travel insurance. His hotel was blown into the ocean in a hurricane. But, because the airline was still flying, RBC tried to deny his claim, basically saying he should fly there anyway, stay at a 1-star motel in a rebuilding zone when he had was planning to stay at a 5-star resort, just because "the storm is now over". They eventually paid when he got the media involved, but never again will I buy travel insurance and then, only for out-of-country medical, not cancellation.

 

[standaman]

Many good points here.......has me wondering. In 2010 our company changed insurance carriers. I didn't have any problems with the past insurance company, now I will be submitting masssage receipts to the new insurer, will it be as easy as in past?........should I or shouldn't I...thats the question?
My coverage yearly is 1,500.00 for massage combined with naturopath.


DA_

 

[nomorebuffalo]

you are lucky, mine costs me $600/month for the insurance and I have $600/yr all combined

 

[White Al Sharpton]

We get $1000 a year in compensation. I try not to go to places that offer too much in the way of options, there are plenty of masseuses that can offer you an authorized association receipt and do a tug at the same time. I do not need the trouble of having receipts refused and being called into the bosses office to explain why I have been haggling with the insurance company.

 

[Brother Jonathan]

The insurance company recently sent me a list of approved masseuses that will issue approved insurance receipts for massage. When I called the insurance company to see if these were the only masseuses that they would accept receipts from, they told me that it was a recommended list and other masseuses are also approved if they are with an approved massage associations.
I do believe that the insurance companies are trying to steer people towards the prudish Gertrudes that offer massage but no happy ending so that there would be less claims made at the insurance company for massage services.

 

[Alexis]

I left this matter alone for a while and called the insurance company this week anonymously to inquire why some receipts for massage might be refused. I was told that it may be because the places that I went to might not be accepted by their insurance company. I was also told to call the massage association.
The massage association told me that theses are some of the reasons that my insurance receipt may not be accepted.


- The member may be issuing receipts for other people in a salon not recognized by their association.
- Not paying association dues.
- Participating in activities that the association does not endorse ( thai massage ect, ect. )

- Some people are issuing false receipts, they may have previously been authorized to issue receipts but now with a computer printer are making unauthorized receipts. ( receipt books have to be purchased from the association )

I get the feeling that the insurance companies are happy that the massage association are cracking down on their members. With more rejected claims, the less the insurance companies have to pay out.

 

[wadeypops]

This past Monday, I had occasion to discuss the rejection of an insurance claim for massage with the supervisor of claims examiners at one Canada's largest insurance companies. I have to be careful of what I say here, because the discussion was part of official business and during the discussion the examiner used as an example a Chinese MP that is currently subject to a NRP.

The essential point of the exercise is that insurance coverage is only for "therapeutic massage." That does not include the so-called Thai Massage or any other sensual or erotic massages.

What I can share with you is the process used by the examiner for rejecting a claim. She even went further, and ran me through the process in real time while we were both on our computers. The lesson took place at about 4:30 PM on Feb.16th, and went like this:

1. We opened our computer to CL at http://montreal.en.craigslist.ca/ers/.

2. She chose as her example the advertiser that just happened to be first on the list at that time. It turned out to be that Chinese MP that is subject to a NRP.

3. Conveniently, the listing had the MP's address right there in the listing, so there was no need to open the ad itself.

4.The address was then inserted in the "to search" space and we clicked on "Search."

5. This revealed a list of 39 ads that had been placed by the MP in the last couple of months, with multiple ads being placed each day, 4 ads having been placed on the 16th.

6. The listings were so explicit that there was no need to actually open the ads to know that all sorts of other "non-therapeutic", erotic and sensuous services were what was primarily being offered here.

7. Here are a few examples of the listings we saw:

- "Super sexy"
- "Sexxxxy Young and Wild"
- "Options!!! Options!!! And More!!!"
- "Thai Massage and More With Sweet Girls"
- "Sensual Massage"
- "Amazing Service by Busty Girls"

8.The examiner had made her point, but just for the hell of it, she wanted to open the "Sexxxy Young and Wild" ad.

9. The beautiful, completely nude young girl on display, didn't in any way demonstrate how her attributes might be used for a "therapeutic massage."

10. Q.E.D.

Before an insurance claim is paid these days, this is the process insurance companies are starting to go through to justify their rejections. The examiner made it clear that any claim from an MP using those type of ads shown above would automatically be rejected.

Not only that, if the massage association that issued the receipt did not take disciplinary measures against the unacceptable MP, it might find that all receipts issued by all its other other members of the association might also be in jeopardy of being rejected.

Her last comment was that she was advocating to her superiors that all claims for massage would only be accepted for reimbursement if they were accompanied by a doctor`s prescription for therapeutic massage.

So, what`s the moral of the story here? If you`re crazy enough to mix your outside pleasures with the privacy of insurance, the time for continuing to do so may be running out.

Kasp_ar




- ``

 

[Emily G]

The additional moral of the story is that you are more likely to be screwed by the insurance company than by the MP. Most insurance coverage is a complete waste of money, some of the biggest rip-offs being "baggage insurance" and "air flight accident insurance". As I have posted before, a friend of mine who had bought travel insurance was told by his insurer, after the Cayman hurricane a few years back and his hotel was demolished, that, since the flights were still going, they wouldn't pay the cancel fee, that he should go anyway and sleep under a palm tree. He subsequently "declined" their charge of the premium on his credit card.

 

[collette d]

If you are going to subsidize your hobbying with massage insurance, do it right.

- Stick to masseuses with authorized reciepts
- Call to see if they have paid up membeerships at their associations.
- Spread out the insurance visits.

There are many masseuses that can give you a good massage and happy ending, and suppy you with a insurance reciept. Why not max out your insurance massages? If you do it right you should have no problems.