Here is an example of how your policy may work. Your policy may read: "We will cover 80% of massage therapy treatments to a maximum of 500".
Treatment cost: TX. $48
EXP will pay: $38.40
Your cost: $9.60
Following this pattern of usage you will have approximately 15 treatments (13tx x $38.40-$499.20) covered by your plan. Your out of pocket costs for these 13 treatments will be $124.80. This is because of the 80% coverage statement in your policy.
The average coverage is around $300-$600 a practitioner per year. To get reimbursed a policy holder should obtain a claim form, complete and mail it out to the service claim Center along with the original receipts enclosed.
If you are ensured through your employer group policy you may contact your benefit officer to get a claim form. Also, you can download a claim form from your insurance company web site or even file a claim electronically. You can always call your insurance company customer support to ask them to mail the forms to you.
On a receipt for medical services that you pay for should be stated a service type, date of service, and a registered practitioner name and registration number. You should keep a copy of a receipt that you mail with a claim form.