MRG, My plan covers a set number of massage and/or PT visits per year with a written prescription for treatment. Ask your PCP for a massage Rx for a specific treatment, i.e. low back pain x12 visits. The masseuse will always ask what you want worked on and will veer off the strict confines of the Rx after the first visit. aaronc879 has a good point though about meeting deductible first. My insurance just changed (for the worse, go figure!) this last year. Previously I only had to pay copay but as of this last year I had to pay my deductible first. I had already done so before I began using massage visits for the year.