Insurance Considerations With Chiropractic Care

 

When chronic pain has taken over your life, have you thought about visiting a chiropractor? Perhaps other medical providers haven’t given you the relief you need, or maybe you simply want to go a different route and try some other methods. Chiropractors offer safe, effective treatments that can minimize or even eliminate painful feelings or conditions in your head, neck, shoulders and back. Some patients even visit chiropractors to help with issues in the hands, arms, legs or feet. Fortunately, your insurance plans should cover these visits.

Best to Check First

Before you schedule a visit to a local chiropractor, make sure you call your insurance provider to verify whether your plan will cover treatments. Most insurance plans do indeed cover chiropractors, but you don’t want to get there only to find out you’ll have to pay 100 percent out of your pocket.

What Will Your Plan Cover?

Again, different plans will cover different types of treatments and at different levels. Many plans will allow you to visit a licensed, in-network chiropractor a certain number of times of year. This may be 10, 12 or 15 visits. Other plans may have dollar limits or may require you to get a referral from a doctor first.

Possible Exclusions

Make sure you fully understand everything the insurance company will and won’t cover with your chiropractor visits and treatments. You will initially have a consultation with the chiropractor where he or she will review your medical history and provide a physical. This will help determine what type of treatment you need and the extent of the work the chiropractor will do. This is an ideal opportunity for you to ask questions and discuss concerns with the chiropractor and his or her staff. Some insurance plans won’t cover this consultation. Also, the chiropractor will likely take x-rays, which may or may not be included in your coverage.

Why Not Go Without Insurance?

If you don’t currently have health insurance, or if your plan doesn’t cover chiropractic work, you can self-pay. Each visit will cost up to $200 or more, so insurance can help save you significantly. You may usually use flexible spending or health savings account as well. If you are visiting the chiropractor because of injuries you sustained in a car accident, your auto insurance should have personal injury protection coverage to help you pay for your treatments.

It’s essential that you understand how your health insurance plan will work with your chiropractor visits. Speak to your representative once you choose a chiropractor in Capitol Heights, MD.

 

Thanks to AmeriWell Clinics for their insight into chiropractic care and insurance considerations.