When you invest in health insurance, the expectation is that it will help to offset the weight of your medical expenses. This typically includes everything from regular doctor appointments, to emergency hospital visits, to prescription medications, and even counseling sessions. But for those interested in pursuing chiropractic care, navigating the ins and outs of insurance coverage can be difficult.
Fortunately, the majority of health insurance providers offer some form of coverage. You may be required to supply a co-pay, but these rates are often relatively low. But how do you know if your insurance provider offers coverage for chiropractic treatments? Wirth Chiropractic is here to walk you through the process.
First things first, you need to determine your eligibility as indicated under your current insurance policy. This is where things get a little tricky. Chiropractic care is sometimes defined as an alternative form of medicine, but not always. It’s not quite as black-and-white as visiting a medical practitioner or picking up your prescription. Unfortunately, alternative medicine is typically not covered under health insurance policies. You’ll need to double-check with your insurance provider if you’re unsure of where chiropractic care falls in their categorization scheme.
Of course, coverage also depends heavily on where it’s coming from. Under employee benefits, for example, you may be subject to different limitations than if you paid for health insurance yourself. Insurance providers typically reserve the right to dictate how and when you can use your allotted policy benefits, including limiting the number of visits within a certain period of time. Often, treatment for traumatic injuries is covered by insurance, but continuous maintenance is not. This means that, after seeking chiropractic care for injury recovery, insurance can drop your co-pay if your body shows significant signs of improvement.
If you’ve contacted your insurance provider and you’re still unsure, visit a chiropractor and speak with the administrative staff. They may be able to work with you or your provider directly to iron out the details. If all else fails and you are not covered under your current insurance policy, there’s always the option to pay out of pocket. Chiropractic visits are typically very reasonable, with some starting as low as $30 per visit.
Looking to get started with chiropractic? We’d love to have you! Wirth Chiropractic offers a free initial consultation, and our team would be more than happy to answer any questions you may have. Contact us by phone or email, or swing by one of our two locations today!