If you’re in the market for chiropractic care insurance, you first should know that you’re not alone. Many people suffer from back pain and turn to chiropractic care for relief. While some health insurance plans don’t cover chiropractic care, Medicare does. Those policies must abide by the ACA rules to cover chiropractor visits.
Coverage for chiropractic care
Many insurance policies do not cover chiropractic care. For example, Medicare, also known as Medicare Part B, covers spinal manipulation but not other forms of chiropractic care. Medicare will only pay for medically necessary adjustments, but it does not cover X-rays or massage therapy. If you have Medicare, you may be eligible for chiropractic care, but you will likely have to pay the deductible before the insurance company pays.
Chiropractic care is not covered by Medicare Part B, but BCBS covers chiropractic if you have the proper diagnosis and treatment. In addition, some private health insurance plans also cover chiropractic care as part of the benefits. These plans are available from private insurance companies and through state marketplace exchanges. While the Affordable Care Act does not mandate that insurance plans cover chiropractic care, most state marketplace plans do.
Most employer-sponsored health plans will offer some coverage, but there are limitations. For example, some plans will only cover 20 visits a year, and others will only cover 30. Therefore, you should carefully review your plan documents to determine how many visits you will be allowed per year. Some plans also have a cap on spending on chiropractic visits.
When looking for coverage for chiropractic care, it’s important to understand the difference between “active” and “passive” care. Active care is when you see a chiropractor after an accident or injury. This plan involves frequent chiropractic visits after the injury, and less frequent visits as your condition stabilize.
Even though every health insurance plan may not cover chiropractor services, they can be valuable for improving your overall health. Regular adjustments can significantly improve your quality of life. Many patients would be unwilling to pursue other forms of treatment, so it is important to look for health insurance coverage that covers chiropractic visits.
A chiropractor’s care can help you recover from injuries with a noninvasive approach. This type of treatment can save money and eliminate the need for invasive surgery or treatment. Insurance companies are increasingly accepting chiropractic care for many different types of conditions.
Cost of chiropractic care
If you’ve been thinking about trying chiropractic care but are worried about the cost, you’re not alone. Over 20 million Americans visit a chiropractor every year, and their annual cost exceeds $4 billion. Fortunately, most health insurance plans cover at least some of the costs of chiropractic care. Medicare and Medicaid also cover some of the costs.
Some health insurance plans may cover the cost of chiropractic care if a primary care physician refers the patient. However, your health insurance company can limit how many visits you can get each year. Contact your insurance company directly to determine whether your plan covers chiropractic care.
Although the costs of chiropractic care are generally low, it’s important to know what your insurance covers. Sometimes you’ll have to pay out of pocket for the first and follow-ups. Some insurance policies will cover the first visit, but you may have to pay more for additional treatments and diagnostic tools. Before choosing a chiropractor, find out what your insurance covers to get the best treatment.
Medicare Part B doesn’t limit the number of chiropractic visits covered, but the number of treatments will depend on the severity of your condition. To get the full benefit from your insurance plan, you must prove that your treatment is medically necessary and that you’ve seen some improvement. In addition, you’ll need to choose a chiropractic practice that accepts Medicare. The bill will be based on the number of spinal regions treated.
You may consider finding a clinic in a lower-cost zip code when paying cash for your chiropractic care. If this isn’t an option, you can consider looking for an office outside your area. The extra drive may be worth it since it will help you save money.