This is a common question people ask. Before taking a chiropractic visit, you need to confirm first if insurance does cover chiropractic care. All insurance policies are different and have preconditions for particular holistic treatments. Some insurance plans offer coverage for the cost of chiropractic care.
Before pushing through with this treatment, it is advisable to know if your insurance policy will offer coverage for the treatment cost and how much coverage it will offer, along with how many out-of-pocket payments you have to make.
Health and wellness clinics encourage patients to read and understand their insurance policies before coming in for treatment to avoid difficulties when filing claims.
While health insurance policies offer coverage for medical bills and treatments, some policies do not offer coverage for chiropractic care. This depends solely on your insurance coverage type, its exclusions, and what it covers.
Are There Insurance Restrictions on Chiropractic Care?
Your insurance has a high chance of covering chiropractic care but may have preconditions while you see care or after a few months.
Most times, insurance companies will offer coverage for simple manual adjustments but may not cover laser therapy or computerized adjustments.
One of the restrictions of this coverage is that most insurance policies will require a general doctor’s referral to a chiropractor.
Getting these referral reviews from the insurance company means that a medical professional also believes you need to get this treatment.
Another restriction is that most insurance policies may impose a cap on the number of visits patients can make to the chiropractor monthly or yearly.
However, these restrictions will not prevent you from visiting the chiropractor, but the insurance company will only cover payments for the agreed number of visits.
In this case, it is advisable to speak with your insurer before beginning the treatment to prevent difficulties when you need to pay for visits.
What Health Insurance Policy Covers Chiropractic Treatment?
You will need to speak with your insurance company to know what services are covered under your insurance policy and what preconditions may be included.
While some insurance policies may not offer coverage for chiropractic, there are some insurance policies and non-health insurance policies that do. These coverages include:
- All worker’s compensation insurance
- Altius
- Blue Cross Blue Shield Federal
- DMBA
- Educators (EMIA)
- Cigna
- UHC
- SW Service Administrators
- Medicare Part B
- All automobile insurance
- Mail handlers
- Blue Cross Blue Shield
- PEHP
- Select Health (IHC)
- Aetna
- UHP
- Foreign Service Benefit Plan
- Veterans Choice Programs
These policies are acceptable for chiropractic care, meaning if you have any of the above policies, you can easily get covered for this treatment.
Are Out-of-Network Chiropractors Covered by Insurance?
Whether out-of-network chiropractors are covered by insurance or not depends on your insurance policy. Some insurance policies offer a certain level of coverage for out-of-network chiropractors but offer fewer benefits than an in-network chiropractor.
Other insurance policies may not cover this chiropractor at all; in this case, you will have to pay for your treatment out-of-pocket.
However, it is important to check with your insurance company to determine the terms of your insurance coverage for out-of-network chiropractors.
You can also check with the chiropractor’s office to find out if your insurance plan will be accepted, if they are willing to directly send the bill to your insurer, or if they will require you to submit a claim for reimbursement for the treatment.
However, keep in mind that you may have to pay a higher deductible or copayment, as well as higher out-of-pocket maximums, before your insurance coverage starts.
Does Health Insurance Cover Chiropractic Care Differently Depending on My Policy?
Health insurance offers this treatment coverage, depending on the type of insurance policy you have. The details of chiropractic care insurance coverage include copayments or deductibles, the number of visits covered, and the types of treatments covered, depending on your insurance policy.
Some plans may require pre-authorization or a referral from your doctor before you get chiropractic care. For this reason, it is important to contact your insurer to understand the terms and conditions of your chiropractic coverage to help you determine what treatments are covered and how much out-of-pocket payment you are making.
