Investing in your health: Will health insurance pay for a swim spa?

Mental wellness and stress relief

Stress affects many Americans and has become a major contributor to a variety of health problems. The American Institute of Stress reported that 53% of adults identified stress as a lifestyle factor that has the largest impact on mental health.

An article on the organization’s website reference the 2024 American Psychiatric Association’s mental health poll, which reported a growing sense of anxiety due to stress among U.S. adults. In fact, 43% of those surveyed reported “feeling more anxious than the previous year,” and many attributed this anxiety to increased stress.

Fortunately, a swim spa offers significant mental health benefits. The calming effect of warm water, combined with the therapeutic qualities of hydrotherapy, helps reduce stress and anxiety. Submerging yourself in warm water promotes relaxation and encourages the production of endorphins—your body’s natural mood elevators.

Additionally, the act of swimming or exercising in water provides a mental break from everyday worries. The rhythmic nature of swimming or even simply floating can be meditative, offering you a chance to clear your mind and focus on the present moment. Over time, these mental health benefits can contribute to a better quality of life and greater emotional resilience.

Flexibility and convenience for consistent use

A swim spa can also provide the convenience of a private, at-home wellness center. With a Jacuzzi® Swim Spa, you can access all of these health benefits whenever you need them, without the hassle of going to a gym, rehabilitation center, or public pool. This flexibility encourages consistent use, which is key to maintaining long-term health improvements.

Having a swim spa at home can also help promote a healthier lifestyle. When you have a dedicated space for exercise and relaxation, you’re more likely to incorporate regular physical activity and stress-reducing activities into your routine. Whether you’re looking to swim for exercise, relax with hydrotherapy, or even host family and friends, the convenience of having a swim spa at your fingertips can make a substantial difference in your overall well-being.

Health insurance and swim spas: What you need to know

So, now that you understand the enjoyable benefits of owning a swim spa, onto the question of health insurance coverage. Will health insurance pay for a swim spa?

The short answer is that, in most cases, health insurance will not cover the cost of purchasing a swim spa, regardless of its potential therapeutic benefits. While health insurance policies often cover treatments like physical therapy, chiropractic care, or doctor-prescribed medical devices, purchasing luxury items like a swim spa typically falls outside the scope of traditional coverage.

However, there are exceptions and circumstances where health insurance may cover or help offset some of the costs. For example, in some cases, health insurance may cover the cost of a swim spa if it is deemed medically necessary. In situations like these, it’s important to work closely with your doctor and insurance company to understand the specific requirements for coverage. 

Wellness and preventive care coverage

In recent years, some health insurance plans have begun offering coverage for wellness and preventive care treatments, including alternative therapies such as massage or chiropractic care. While it’s less common for a swim spa to be covered under this category, some insurance policies may offer discounts or rebates for certain wellness-related products, especially those that contribute to long-term health improvement.

You could also with your Health Savings Account (HSA) provider to see if the cost of a swim spa can be covered for health reasons. In some cases, if prescribed by a doctor for a specific medical condition, it may qualify as a reimbursable medical expense. Be sure to get any necessary documentation or a letter of medical necessity, whether for your insurance or HSA.

Every insurance company and HSA provider is different and their plans are unique so it’s essential to understand your plan and specific coverage before purchasing a swim spa with the intent to have your health insurance pay for it. Contact your health insurance broker or advisor with questions about your specific plan, what it covers—and what it doesn’t.

Why a swim spa is a worthwhile investment in your overall well-being

Even if health insurance won’t cover the full cost of a swim spa, it’s still worth considering for the long-term investment in your health. Consider the following reasons why purchasing a swim spa might be one of the best investments you can make in your well-being:

Long-term health benefits—Regular use of a swim spa promotes cardiovascular health, muscle strength, flexibility, and mental well-being—all of which contribute to a better quality of life. Investing in a swim spa means investing in your health over the long term.

Convenience and accessibility—Having a swim spa at home means you can access its therapeutic benefits at your convenience, without the hassle of traveling to a gym or rehabilitation center. This encourages regular use, which is crucial for reaping the full benefits.

Cost savings on healthcare—While the initial investment in a swim spa may seem significant, the potential savings on future healthcare costs—such as physical therapy, pain management treatments, or doctor’s visits—can make it a cost-effective choice in the long run.

Increased quality of life—The convenience of having a private wellness center at home allows you to prioritize your health and well-being in a way that fits your lifestyle. Whether you’re swimming for fitness, relaxing with hydrotherapy, or simply enjoying a peaceful moment in warm water, a swim spa can significantly enhance your overall quality of life.

While health insurance may not directly cover the purchase of a swim spa, the investment in a high-quality model like a Jacuzzi® Swim Spa offers profound health benefits that can enhance your life in ways that extend beyond physical fitness. A swim spa is much more than a luxury item—it’s an investment in your long-term well-being. Ultimately, the value of a swim spa as a tool for maintaining and improving your health makes it a worthwhile consideration, regardless of insurance coverage.

Affiliations: Jacuzzi® is a registered trademark of Jacuzzi Group. All rights reserved.

Medical disclaimer: This information is not intended to prescribe a particular diagnosis or course of action. We are not medical professionals. Please contact your GP or other medical professional for advice if you have any concerns about your current health or well-being.