Will Health Insurance Pay For a Swimming Pool?

Health Insurance

Swimming pools are a luxury, not a necessity. If you have health insurance, it may be worth investigating whether or not it will cover the cost of your swimming pool.

Swimming pools are usually considered a luxury, not a necessity, so the cost of the pool will most likely be the responsibility of the person or their family.

If your doctor determines that you need access to a pool to live an active daily life and exercise regularly, your insurance company may help with some of its costs.

Even if a swimming pool has therapeutic value for you, most health insurance policies will not cover the cost.

For example, if you have an open-water therapy pool at home and use it as part of your treatment plan for depression or anxiety disorders, it may be covered under certain plans. But this isn’t always the case: many people who go through therapy claim that their gains are unrelated to how much time they spend in their pools (or other health-related activities).

If you’re thinking about buying a swimming pool on your dime—and not through an employer’s benefits package—you’ll need to find out whether or not your insurance company recognizes its value before making any purchases. If it doesn’t pay anything at all toward such expenses, then maybe there are other ways in which these services could help reduce stress levels within families.

If it is medically necessary for you to have a swimming pool, your doctor will need to provide documentation.

If your doctor recommends a swimming pool for you, it is important to get a letter from them explaining why. This will help the insurance company understand what the medical benefits of having a pool are and how much they might pay for those benefits.

If you are in a high-risk category for certain diseases, your insurance company may help cover some of the cost of installing an in-ground swimming pool on your property.

Some insurance companies may cover all or part of the cost, especially if you are in a high-risk category for certain diseases.

You can ask your insurance company if they will cover the cost of a swimming pool.

You want to keep your pool well-maintained to make it last longer and more safely.

  • Keep the pool well-maintained. You want to keep your pool well-maintained to make it last longer and more safely.
  • Use a pool cover to keep it clean. A good way of doing this is by putting a swimming pool cover over your swimming pool when not in use, which will prevent leaves, dirt, and other debris from entering the water while also helping to protect against algae growth on top of its surface.
  • Make sure you have a fence around it (optional). This can help protect children or pets who might accidentally fall into the water if there isn’t an enclosure around them for safety reasons; however, this may not be necessary if all members of the household know how dangerous swimming pools are!

If a doctor determines that you need access to a pool to live an active daily life, your insurance company may help with some of its costs.

If you have a doctor’s note or prescription for swimming, most insurance companies will cover the cost of your pool. It’s just a matter of getting that information in order before you go to the doctor.

If you don’t have health insurance but are still able to get a doctor’s note, then there is an option called “pool pass.” This means that someone who has no medical insurance but wants access to their home swimming pool can pay a monthly fee instead of going through all kinds of hoops with their insurer. It also requires that they fill out paperwork at least twice per year (once during open enrollment and again when renewing).

If this sounds too complicated for your needs or just not worth it for whatever reason—such as having limited funds available—you could always check if any local businesses are offering “pool passes” for those without insurance coverage (and even those with some form of public assistance).


The cost of a swimming pool is usually not covered by insurance, but if you have a high-risk medical condition, such as diabetes or heart disease, your health insurance company may be willing to help with some or all of its cost.

I am a Nutrition Educator and blogger with a mission to help people live healthier, happier lives. I share research-based and practical information on health, nutrition, and fitness.

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