Is there health insurance for chiropractic care?
UPDATED: Mar 12, 2013
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Asked March 12, 2013
Chiropractic care has been shown to have advantageous benefits for patients, and the chiropractic industry has grown in acceptance in the medical field. Because of this, most individual health insurance policies cover chiropractic care as well as a large number of group plans. Chiropractic care is still not covered by all insurance policies, but a growing number of companies are accepting it.
Chiropractic care is covered by more insurance companies than, for example, physical therapists. In 2010, 44 states mandated that insurance companies accept claims for chiropractic services. But since insurance is regulated on a state by state basis, you will have to check with your insurance company or your state Department of Insurance to find out whether chiropractic care is covered in your state of residence.
Keep in mind that the level of coverage will also vary by state. In some locations, you may have to pay more out of pocket costs than others, even when chiropractic care is expressly covered. This is because not all health plans will pay for the full treatment, and some plans will limit your chiropractic costs to a specific dollar amount. Before you submit a chiropractic claim, check your policy or call your insurance company to make sure that the full amount will be covered. What you may discover is that only a certain number of chiropractic visits are covered, after which you will have to pay for additional treatment out of pocket or through a secondary insurance plan.
In addition to health group and individual health insurance plans, chiropractic care is also covered by military health insurance as well as government sponsored health plans such as Medicaid. This means that chiropractic care is covered if you are using Medicaid and some types of Medicare coverage, extending the range of covered patients to include those who have little or no income or ability to purchase standard health insurance packages.
If your health insurance plan does not fully cover your chiropractic visits, you may be able to supplement the coverage with a discount health care plan. This type of plan is a supplementary coverage that attempts to fill gaps in your health insurance. It will have premiums in addition to your health insurance costs, but will greatly increase the effectiveness of your health insurance plan.
Answered March 12, 2013 by Anonymous