Have you lately been in a car accident? Perhaps you suffer lower back discomfort as a result of a home injury or repetitive strain at the gym. If you’re seeking to plan your first visit with your local chiropractor in any of these situations, you’re undoubtedly wondering if your health insurance covers chiropractic care. We’re here to help you understand all you need to know about chiropractic insurance coverage.

Is Chiropractic Care Covered by Health Insurance?

If you need to see a chiropractor, the first question on your mind is likely whether your insurance will cover the cost. “Yes,” is the quick answer. Chiropractic care is now covered by most health insurance providers, at least to some extent (about 87 percent of private policies). Most health insurance policies, including major medical plans, workers’ compensation, Medicare, a few Medicaid programs, and Blue Cross Blue Shield plans for federal employees, usually include it.

However, a number of factors influence whether your insurance plan covers chiropractic, including the services you want, your insurance policy (for example, PPO vs HMO), and your health insurance provider, among others.

Most plans, for example, will cover the initial and some rehabilitative care for acute diseases, but not maintenance or wellness therapies. Nonetheless, it’s worth looking over your policy and phoning your insurance company to learn more about your specific health benefits.

Additionally, more than 60 military sites and a similar number of VA medical facilities provide chiropractic therapy to members of the United States armed forces. Furthermore, Congress has ordered that certain chiropractic services be covered by anybody with Medicaid or Medicare in the United States. Chiropractic care is included in your insurance plan if you work for the federal government. Chiropractic care is also required for Workers Compensation claims in every state in the union.

If you have chiropractic coverage, the amount you pay and the amount your insurer pays will differ depending on the conditions of each plan, as well as other considerations like:

• The chiropractic clinic’s location -The tests and services you require from the chiropractor -The sort of technology the clinic employs (the more cutting-edge technology the clinic employs, the more you’ll likely pay)
  An overview of any other insurance policies and/or wellness plans you may have, as well as how they interact with your current coverage.

So, before you make an appointment with your local chiropractor, check with your insurance company to see what type of chiropractic care (if any) is covered. Some points to discuss with them:

• See if your chiropractic care team is on their list of approved providers for those services.
  Determine whether your insurance provider is an HMO (Healthcare Management Organization) or a PPO (Preferred Provider Organization) (Preferred provider organization). HMOs usually only cover practitioners on their approved list, whereas PPOs typically cover any chiropractic therapy, typically up to 80% of rates charged by doctors not on their preferred list.

If your insurance doesn’t cover your visits, talk to the staff at your local chiropractor’s clinic about other options for paying for them. Many chiropractors have unique financing options in place for their patients, as well as cash discounts.

What Does It Cost to See a Chiropractor With Insurance?

If you have a chiropractic insurance policy, you can anticipate your insurer to cover anywhere from 50% to 100% of the cost, depending on your specific policy benefits and the treatments you receive. You are responsible for the portion of the bill that the insurance does not cover. Your visit will be significantly more affordable if you have insurance.

How Much Will You Pay for a Chiropractic Visit Out of Pocket?

Chiropractic appointments are actually extremely affordable for many people, whether they have insurance or not. A free initial consultation may be offered, however new patients should anticipate to spend a little more on their first appointment because an overall health consultation is normally required (ex: X-rays, etc.) Again, the best way to get accurate pricing is to phone your local chiropractor.

We Care Chiropractic

Located in Glendale, AZ, We Care Chiropractic has been providing the valley with the best chiropractic services for years. We Care Chiropractic emphasizes its focus on improving overall health, which can prevent further illness and pain. Let We Care Chiropractic help your body function at an all-time high. Chiropractors are a great alternative to traditional medicine, and much less costly than any surgical repairs. Feel free to contact the team at We Care Chiropractic today!

Chiropractor Services

Here is a list of the many services offered by We Care Chiropractic:

• Relieve pain caused by accidents and injuries.
• Regular chiropractic care.
• Corrective exercises.
• Lifestyle advice.
• Massage therapy.
• Nutrition counseling.
• Sports injuries.
• Spinal screenings.

Read more about all the chiropractic services one can find in Glendale.