Insurance Coverage in Bermuda
No matter what provider you have, since plans are constantly changing, it’s best to contact them directly to find out your coverage.

Argus Group: 298-0888 If you have massage coverage, they will cover $50 per treatment up to $350 per policy year. Some policies do not cover massage at all – best to call them.

BF&M: 295-5566 If you are covered by BF&M – you will receive $58 per treatment up to $1000 per policy year. The catch is that massage therapy, chiropractic, physiotherapy and acupuncture are all grouped together in this coverage.

Colonial Group International: 296-3200 Colonial is a bit different and handles each case separately. Best to call them to find out what you need to do to be covered. But if they do approve it, then you will be covered for $55 per treatment up to 12 visits a year. They also group massage therapy, chiropractic and acupuncture together. Physiotherapy is separate.

Freisenbruch-Meyer Group: 296-3600 FM has two different plans – Standard plan covers $50 per treatment for 15 treatments per policy year. The executive plan covers 100% per treatment up to $1000 per policy year. The difference with this coverage is that you need to get a doctors referral letter in order to be covered with either plan.

Our insurance procedures are as follows:
• Clients are expected to pay for the treatment in full at the time of the visit and will receive a receipt.
• Clients are responsible to submit the referral letter and receipts to their provider. Must be done within 3 months of treatment.
• Your insurance company will mail you a check – this will usually take up to 3 weeks.