Updated: November 14, 2025
Reviewed by: Dr. Donald L. Aivalotis, II
Is Massage Therapy Covered by Aetna?
Yes — but only when it’s medically necessary.
Aetna covers massage therapy as part of a prescribed physical therapy plan when it’s considered medically necessary to treat an illness or injury.
Coverage applies only when ordered by a licensed healthcare provider (such as a physician or physical therapist) and provided by an Aetna-approved physical therapist — not by a standalone massage therapist.
Example:
If you are recovering from a shoulder injury, your doctor may prescribe physical therapy that includes massage techniques to reduce pain and muscle tightness.
In that scenario, the massage is covered as part of the physical therapy plan.
However, Aetna typically limits massage therapy coverage to the acute phase of treatment, usually about two weeks. Once symptoms improve or the therapy becomes maintenance-based, Aetna no longer considers it medically necessary.
Aetna’s Limitations on Massage Therapy
- Coverage generally lasts no longer than two weeks after the initial injury or illness.
- Long-term or “wellness” massage sessions are not covered.
- Aetna does not recognize massage therapists as billable providers.
- Massage therapy must be billed through physical therapy codes under a licensed physical therapist.
According to Aetna’s official policy:
“Massage therapy is considered medically necessary only when performed as part of a physical therapy program.”
Aetna Clinical Policy Bulletin #0325
When Is Massage Therapy Covered?
Massage therapy may be covered when:
- It is prescribed by a licensed physician or physical therapist.
- It is included in a documented treatment plan for a specific diagnosis.
- It is provided by a licensed physical therapist.
- The provider maintains clear medical documentation of progress and necessity.
Common conditions where Aetna-approved massage therapy may be included:
- Post-surgical recovery
- Sports-related injuries
- Chronic pain conditions (with physician documentation)
- Acute musculoskeletal injuries
Does Massage Therapy Require Pre-Authorization?
Yes.
Your provider must request pre-authorization from Aetna before beginning treatment.
This request includes:
- Diagnosis code(s)
- Physical therapy treatment plan
- Documentation of medical necessity
Without pre-authorization, you may be responsible for the full cost.
Massage Therapy That Is Not Covered
Massage therapy is not covered when it is:
- Performed in a massage therapy clinic
- Intended for relaxation, stress reduction, or general wellness
- Ongoing beyond the acute recovery phase
- Not linked to a physical therapy treatment plan
How to Get Pre-Authorization for Massage Therapy
To start:
- Obtain a referral or prescription from your doctor.
- Have your provider submit a treatment plan to Aetna for review.
- Wait for authorization approval before beginning therapy.
- Confirm that the provider is in-network to avoid out-of-pocket costs.
You can verify pre-authorization requirements directly through the Aetna Member Portal.
Does Aetna Require a Referral from My Primary Care Physician (PCP)?
It depends on your Aetna plan type:
- HMO plans often require a referral from your primary care physician.
- PPO and POS plans may allow direct access to physical therapy.
Check your plan details or call Aetna Member Services using the number on your ID card.
Documentation Requirements
For coverage approval, providers must submit:
- A physician referral or prescription
- A detailed treatment plan showing that massage is part of therapy
- Progress notes from each session
- Objective improvement metrics (for example, range of motion, pain scale)
These records prove that the massage therapy is medically necessary, time-limited, and effective.
Reimbursement for Out-of-Network Massage Therapy
Reimbursement is sometimes available, but usually at a lower rate.
Aetna typically reimburses only a portion of the cost for out-of-network care, and only if the service meets all medical necessity and plan criteria.
Massage therapy provided for relaxation or in a spa setting will not be reimbursed.
Where to Find More Information
You can review Aetna’s full policy on massage therapy here:
Aetna Clinical Policy Bulletin #0325 — Massage Therapy
For questions about your personal plan or to find an in-network provider, visit the Aetna Member Portal or call the number on your Aetna ID card.
Frequently Asked Questions
Does Aetna cover massages for stress or anxiety?
No. Massage for relaxation, stress, or wellness is considered non-medical and is not covered.
Can my chiropractor prescribe massage therapy?
Sometimes. If your plan recognizes chiropractors as treating providers under Aetna, they may prescribe massage therapy.
How much will Aetna cover?
Coverage varies by plan, but Aetna typically pays for massage only when billed as part of a physical therapy plan.
What happens if I continue massage after discharge from physical therapy?
You will be responsible for the full out-of-pocket cost once Aetna no longer considers it medically necessary.
References
- Aetna Clinical Policy Bulletin #0325: Massage Therapy
- American Physical Therapy Association. Integrating Soft Tissue Techniques into Physical Therapy Practice.
- National Center for Complementary and Integrative Health (NCCIH). Massage Therapy: What You Need To Know
- Mayo Clinic. Massage: Get in Touch with Its Many Health Benefits