Will Health Insurance Pay For a Swimming Pool? Detailed Analysis

Health insurance policies can be puzzling, leaving individuals unsure about coverage.

For those needing special medical equipment, understanding policy coverage is vital.

Some wonder if health insurance covers a pool. Though seen as a luxury, pools can be medically necessary.

Health insurance and swimming pools
Will health insurance pay for a swimming pool: Photo courtesy (Forbes)

For instance, those with disabilities might need pool-based therapy. Coverage depends on various factors explored in this article.

Understanding the Coverage of Your Health Insurance Policy

Comprehensive grasp of health insurance coverage is crucial for informed healthcare decisions.

Policies cover various medical services, but exclusions and limits differ.

Some exclude cosmetics or experimental treatments; others limit visits or prescriptions.

Pre-authorization is vital. Certain procedures need approval beforehand.

Without it, denial and extra costs may occur.

Health insurance for swimming pools
Will health insurance pay for a swimming pool: Photo courtesy (Forbes)

Review policy, understand pre-authorization for future needs.

Avoid surprises, maximize policy benefits.

Medical Necessity of a Swimming Pool

Water’s therapeutic value is confirmed by studies and healthcare experts. Pools aid conditions like arthritis and chronic pain. Water’s buoyancy lessens impact on joints, enhances flexibility, and eases pain.

Pools also aid mental health, easing anxiety and depression.

Yet, insurance may not cover pool costs. Check if doctor’s recommendation is covered.

Criteria for Receiving Coverage

To get coverage for a pool, specific health criteria set by experts must be met.

This includes medical proof and finances.

Swimming pools
Health insurance for swimming pools: Photo courtesy (Roamright.com)

A doctor’s note is needed, along with past treatments. Financial documents might be required too.

Submit these with a coverage request. If approved, partial or full coverage based on policy.

Recreational Use of a Swimming Pool

While a pool offers a serene escape, health insurance doesn’t cover it as a medical need.

Pools require safety measures like fences and maintenance, which insurance doesn’t cover either.

Owners must handle upkeep, chemical levels, and cleaning for safe use.

Alternative Options for Affording a Swimming Pool

Getting a backyard pool can be pricey. Relying on health insurance isn’t ideal.

Luckily, other ways to afford it exist. Specialized loan companies offer flexible plans with low rates.

Also read: Is Accident and Health Insurance a Good Career Path?

Seek local grants or programs for home improvements.

Non-profits might help too. Your dream pool can be a reality with these options.


Understand your health insurance coverage and if a pool is medically needed.

Some policies cover aqua therapy but not recreation.

Finance or get a loan for a pool. Owning one can boost property value (National Swimming Pool Foundation).

Swimming offers mental and physical benefits.

If affordable and beneficial, pool ownership is worth considering.

Frequently Asked Questions

How do I determine if my health insurance policy covers the cost of a swimming pool?

Swimming ranks fourth in US recreation (CDC survey). Pool ownership has insurance and cost worries.

Review policy or consult insurer for coverage clarity. Some policies cover installation or upkeep, others don’t.

Homeowners must factor maintenance and liability costs. Consider insurance and affordability before getting a pool.

What are the limitations and exclusions for coverage of a swimming pool under my health insurance policy?

When thinking about getting a pool through health insurance, consider coverage limits and medical necessity.

Policies often exclude pools for recreation. Even if medically needed, restrictions might apply due to age or conditions.

Check policy, consult insurer for pool coverage, and be aware of limitations or requirements.

Can I get coverage for a swimming pool if it is not deemed medically necessary but will improve my overall health and well-being?

Recent years have seen a rise in alternative therapies for better health.

Fitness equipment, like pools, offers physical fitness advantages.

While not medically essential, these therapies aid health and disease prevention.

Pools improve cardiovascular health, muscles, and endurance.

Although insurance may not cover non-essential pools, people can consider financing or similar therapies for similar benefits.

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