This is a great topic for discussion because a lot of people just assume that any health care insurance policy will cover chiropractic services in addition to general physician care services. Well, the short answer is maybe, so let’s investigate this closer for more definite answers.
Technically, chiropractic is considered an alternative form of medicine, like acupuncture. In the not too distant past, health care providers considered chiropractic to be more unorthodox and didn’t cover it in their plans. Nowadays, however, most major healthcare providers follow a new set of rules and will cover basic chiropractic care.
“Chiropractic care is included in most health insurance plans, including major medical plans, workers’ compensation, Medicare, some Medicaid plans, and Blue Cross Blue Shield plans for federal employees, among others,” said the American Chiropractic Association in a recent statement. “Chiropractic care is also available to active-duty members of the armed forces at more than 60 military bases and is available to veterans at 36 major veterans’ medical facilities.”
What’s Typically Covered?
To find out what’s covered by your health insurance plan, call your insurance representative and ask them directly if you are covered for chiropractic services. It helps to know what your health insurance policy covers, and if the plan accepts the chiropractor you plan to see. You’ll also want to find out if the policy covers exams and x-rays, and the number of visits they allow under your particular plan.
“For example, Medicare Part B (medical insurance) pays for basic chiropractic care or manipulation of the spine and nervous system. However, it will not cover your initial physical exam, X-rays, physical therapy, orthopedic devices, vitamins and supplements, and evaluation services. So before you schedule a date with a chiropractor, call your insurance provider or invest in a set of quality magnifying glasses to examine the fine print of your plan to figure out what type of chiropractic care (if any) is covered,” said Dr. Michael Roizen, MD, who is the Chief Wellness Officer at the Cleveland Clinic, on Sharecare.
What if I’m Hurt On the Job?
If you injured your back, while on the job then you should be entitled to worker’s compensation benefits that will cover chiropractic services. In Colorado, there is a list of preferred chiropractors that you can choose from. To find out more about you’re the number of treatments and what providers you are allowed to see, contact your claims adjuster.
Get Your Treatment Started
Here are a few simple steps to follow, if you think you need to start receiving chiropractic treatment:
- Speak to your health care plan representative, and ask if chiropractic is covered. Ask them directly, is the chiropractor you want to see is listed among their approved providers. If not, ask for a list of approved chiropractors.
- If you have an HMO plan, then you will most likely have to see an approved chiropractor. If you have a PPO plan, then you might have more flexibility, as they tend to allow members to see any service provider.
- If your insurance provider seems reluctant to allow you to see a chiropractor, then ask your doctor to write you a letter stating that you need that particular type of service.
- If you were injured in a car accident, then you need to deal with your insurance company or the insurance provider of the negligent party that may be responsible for the crash.
Contact a Greenwood Village Chiropractor at the Pinto Chiropractor Center
Contact our Greenwood Village Chiropractor at the Pinto Chiropractor Center if you have chiropractic needs by calling 1 (720)-485-6894 or email us using the form at the side of the screen. We look forward to getting you back to living and functioning healthy again. Individual plans may vary.
Our initial consultation is designed to get to know you better and learn how we can best provide you service. We’ll discuss what accident you may have had or any health-related issues you might be experiencing. We’ll give you a thorough exam to determine your limitations, flexibility, and perform orthopedic and posture tests as well.
Contact us to schedule your appointment today at 1 (720)-485-6894 or email us using the form at the side of the screen. We look forward to getting you back to living and functioning healthy again.