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Justifying Aquatic Therapy for Insurance Reimbursement

Andrea Salzman, MS, PT

August 15, 2025

Question

How can therapists effectively justify the use of aquatic therapy for insurance reimbursement?

Answer

To secure insurance reimbursement for aquatic therapy, therapists must provide clear, evidence-based justification that highlights its medical necessity. Many payers require documentation that demonstrates why aquatic therapy is superior to land-based treatment for a specific patient. This can include references to systematic reviews and meta-analyses that support aquatic therapy for multiple sclerosis, particularly its benefits in improving fatigue, balance, and motor function. Therapists should explicitly state how water-based treatment provides a safer environment for balance training, reduces fall risk, and minimizes joint stress while enhancing strength and endurance.

Additionally, therapists should document measurable functional improvements observed in the pool and on land. Insurance companies often require proof of carryover effects, meaning patients must demonstrate progress in land-based functional tasks as a result of their aquatic therapy. Using objective assessments such as the Berg Balance Scale or gait analysis can help justify continued treatment. Therapists should also be prepared to navigate restrictions, such as limits on the number of aquatic therapy sessions, and proactively seek prior authorization when needed. By using precise, outcome-driven language in their documentation, therapists can improve their chances of obtaining coverage for aquatic therapy services.

This Ask the Expert is an edited excerpt from the course, "Aquatic Therapy for the OT and PT: Emphasis on Multiple Sclerosis," presented by Andrea Salzman, MS, PT.


andrea salzman

Andrea Salzman, MS, PT

Andrea Salzman, MS, PT is the Founder and CEO of a new non-profit, the Aquatic Therapy Foundation, Inc. (launched in 2026). She has served as the Executive Director of Aquatic Therapy University (ATU), a global continuing education provider, since 2010. Andrea is a licensed physical therapist with over 30 years of experience educating physical, occupational, and speech therapists in evidence-based aquatic therapy across pediatric, adult, neurologic, orthopedic, and cardiopulmonary populations. Andrea has served as Editor-in-Chief of the Journal of Aquatic Therapy for the American Physical Therapy Association (APTA) and has received numerous industry honors, including the APTA's Judy Cirullo Award, recognizing leadership and contributions to aquatic therapy practice. Her life's work emphasizes translating the therapeutic properties of water into clinically defensible, functionally relevant interventions for all who find themselves standing at the water's edge. Aquatic Therapy University's global clearinghouse of information is located online at: www.aquatictherapyuniversity.com. 

 


Related Courses

Tracking Success: Outcome Measures in the Pool
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This course introduces clinicians to commonly used pediatric and adult assessment tools which are popular methods to assess progress over the course of aquatic therapy treatment. Participants will learn key components, scoring features, and appropriate clinical indications for each tool. The course also covers how to find training in these assessment tools and to apply them to treatment planning, functional goal development, progression decisions, and defensible documentation.

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Therapists who work in the pool need special training to be safe and effective inthe aquatic realm. But sometimes, even the best providers fall into patternedbehavior when working with musculoskeletal patients in water. This course willallow you to step outside the box and become inspired to think creatively in the pool.

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20 Novel Aquatic Therapy Ideas for Cardiopulmonary Compromise: Part 1
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Therapists who work in the pool need special training to be safe and effective in the aquatic realm. But sometimes, even the best providers fall into patterned behavior when working with patients with cardiopulmonary compromise in water. This course allows you to step outside the box and become inspired to think creatively in the pool. This webinar is also part of an ongoing series “20 Novel Aquatic Therapy Ideas” by Andrea Salzman, Director of Aquatic Therapy University.

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  'The delivery and content of the information'   Read Reviews
Therapists who work in the pool need special training to be safe and effective in the aquatic realm. But sometimes, even the best providers fall into patterned behavior when working with patients with cardiopulmonary compromise in water. This course allows you to step outside the box and become inspired to think creatively in the pool. This webinar is also part of an ongoing series “20 Novel Aquatic Therapy Ideas” by Andrea Salzman, Director of Aquatic Therapy University.