Does insurance cover chiropractic?
Today, insurance companies are more widely accepting of Chiropractic care because overall health care costs may be kept to a minimum, therefore eliminating the need for expensive prescriptions and surgery. We accept most insurances in our office. In order to know your exact benefits, you should contact your insurance company prior to your first visit.
Many group health insurance plans have chiropractic benefits. If your plan is a PPO type plan, there is likely to be some coverage. If you have an HMO plan, you must first see your Primary Physician (an MD) to see if you can be referred for chiropractic treatment. If your condition developed as the result of your employment, you are entitled to medical treatment under Workers Compensation, which can include chiropractic. If you sustained injuries from a car accident, and you have Medical Benefits under your auto policy, you can use that to cover chiropractic treatment. We will be happy to help you with the insurance paperwork in any of these cases. Q: “I have chiropractic coverage under my insurance, buy you aren’t listed in the network.” Not to worry! Just about all PPO plans have “out-of-network” benefits, which means you can go outside the network. There may be a deductible or co-pay for using an out of network provider, but these expenses can be paid in small portions. Please call
Sometimes. Some insurance companies give chiropractors the right to treat the patient as they see the need and be fully reimbursed for the treatment. However, those companies are rare. Most insurance companies will allow their customers a certain dollar amount toward treatment each year, and once that level is reached the company will not pay any more. As this is a cash-based clinic, you will be given the necessary paperwork to file with your insurance to be reimbursed. You should be reimbursed until you reach your yearly limit, at which time your insurance company will begin denying your claims. If you have an issue with your insurance company, we encourage you to call them and speak to a supervisor about the level of their chiropractic care provisions. A chiropractor criticizing the level of insurance coverage does not effect the policies of the insurance companies, but a paying customer unhappy with their coverage may make more progress.
