Chiropractic Care And Insurance Coverage

The general care physician is not always the initial stop when it comes to feeling better. Many patients prefer to seek the alternative care like chiropractic. Many conditions of caused due to misalignment of the spine or neural disorder can be quite easily cured by chiropractic care. A lot of people these days are fans of chiropractic care and seek its help in some way or the other. Hence, due to demand of chiropractic there is a need for a proper medical insurance coverage. These days many insurance companies are aiding the patients get chiropractic care easily and with affordable plans.

While not all conditions are solved through chiropractic adjustments, policy holders like to have the option of deciding which type of care to choose. But the good thing these days is that health insurance plans are improving in the fact that many of them are providing coverage for chiropractic care. Unfortunately, however, the numbers of visits for chiropractic care are limited. While seeking medical insurance coverage for chiropractic care, there are some things one can do to ensure best possible coverage or reimbursement.

Discuss Medical Insurance Coverage with the Chiropractor: - Chiropractic doctors are very well familiar with how insurance companies respond to and pay for chiropractic care. Anyone in a point to choose between health insurance plans should speak to his/her chiropractic practitioner before making the decision. But generally not everyone picks and chooses a health care provider based upon a chiropractic recommendation.

Review the Current Health Insurance Plan: - Know the health insurance company's current position on chiropractic care. Various insurance companies only allow a fixed number of chiropractic visits once referred by the Primary Care Physician. While having a little coverage is better than nothing, many insurance companies generally do not cover the cost for the full extent of chiropractic care. The patients should hence become familiar with the existing health insurance plan to get the most out of chiropractic medical coverage

Seek Supplemental Chiropractic Coverage: - To increase the health insurance coverage, patients seeking chiropractic coverage should use the pre-tax flexible spending account offered by most employers. The combination of health insurance coverage added to pre-tax employer sponsored saving plan may be enough to cover the cost of a year's worth of chiropractic care. Another chiropractic insurance alternative is to get supplementary health insurance coverage. According to the Ontario Chiropractic Association, some Canadian employers and associations give company sponsored Extended Health Care plans which include coverage for chiropractic care.

Fortuitous Medical Insurance Coverage for Chiropractic Care: - Auto accident victims can obtain chiropractic care as provided under the Personal Injury Protection (PIP) coverage of an auto insurance policy. If the accident occurs in a no fault state, PIP pays for instant medical needs for both the driver and injured passengers. A recent Colorado study showed that 58% of the charges for medical treatment as a result of a no fault insurance claim was for chiropractic care as opposed to only 19% for physician care.

Having a good insurance coverage makes things easier for the patients seeking chiropractic care.