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Justifying Aquatic Therapy for Insurance Reimbursement

Andrea Salzman, MS, PT

August 15, 2025

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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 graduated from the University of Alabama at Birmingham with a Master’s degree in physical therapy. She has over 30 years of experience with hands-on care and training, specializing in geriatrics, patient motivation, aquatics, and musculoskeletal and balance disorders. She has presented 200 seminars, authored 300 PT articles, served as a PT-related journal editor, and was once featured on the cover of Physical Therapy magazine. Salzman has served as adjunct faculty at the College of St. Catherine’s (now St. Catherine’s University) for 8 years and as the Vice President of 10K Health, LLC, a temporary staffing agency, for a decade. She currently serves as the Director for Aquatic Therapy University and ATU Aquatic Therapy Seminars and has assisted hundreds of facilities during the start-up and training phases of their aquatic practice.

 


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