Most people, especially those who work in offices and have a busy schedule, tend to require chiropractic care to treat, as they are more susceptible to suffer from low back pains and other discomforts. However, since it’s still a relatively new type of treatment that is deemed important, not all health insurance covers this type of treatment.
If you’re one of those who need chiropractic care on a regular basis, here are the steps to get a health insurance for it.
- Check your insurance provider. Call or e-mail your current health insurance provider to see if they cover chiropractic care. Likewise, you can review your insurance policy to check the coverage, and the extent if there’s any.
- Check the extent of coverage. If the answer is yes to the first question, ask them about the extent of your coverage to see if it will fit your needs. For instance, while most health insurance companies cover chiropractic care, they can apply up to three limitations to your coverage. They can limit the payment—that is, a coverage limit on the expenses you can incur for the treatment. Go beyond the prescribed amount and you’ll have to shoulder the expenses. Another limitation is on the number of treatments. Health insurance companies may place a limit on how many you can avail annually. This won’t be helpful in the long run if you need to have your check-ups regularly. The third limitation is on the gravity of reason for the treatment. Insurance companies may not cover situations they perceive as not an emergency.
- Identify the type of insurance company. Even if there is an insurance coverage, Healthcare Management Organization (HMO) insurance providers will only pay for hospitals and practitioners included in their list of approved health providers. If that is the case, check or verify if your hospital or provider is included in their list. PPO insurance providers, on the other hand, normally pay for any type of chiropractic service. For preferred providers, they can be given a prearranged fee depending on the insurance company, while for non-preferred providers; the insurance company can cover up to eighty percent of the cost.
- Get help from the chiropractor’s office. Ask your hospital or your chiropractor for alternatives if your insurance company does not cover the treatment. They may have financing plans that you can use. You may also request for a letter asking the insurance company if they can extend the coverage to meet your needs, especially if the chiropractic care is essential to your well being.
- Look for alternatives. Check the history of the injury that led to your chiropractic care. For instance, if it happened because of a car injury, talk to your provider of automobile insurance to see if they can cover your chiropractic care. Likewise, ask your chiropractor if there are any less costly alternatives to the treatment, or other methods for cure that may be covered in your health insurance.
Getting chiropractic care is as important as any other medical need. This requires a huge amount due to the sessions for the treatment, so it’s important to ensure that you have a health insurance to cover it.