Will Insurance Cover My Chiropractor Appointments
It’s hard to prioritize your health if you’re not sure you can even afford it. Your first thought might be, “Will insurance cover my chiropractor appointments?” Luckily, most insurance companies will help pay for initial care and some rehabilitation for acute conditions. Beyond that, you can talk with your provider about specifics and payment methods.
Step One: Talk To Your Insurance Company
When you’re suffering from an injury, both your chiropractor and your insurance company are on your side to help you heal. Chiropractors can help ease back pain, neck pain, whiplash, and many more conditions. But you don’t want to find out after treatment that insurance won’t cover it. So, call customer service before contacting a chiropractor. You should get answers to these questions:
Do you have an HMO or PPO?
What is your deductible?
What chiropractors are in your insurance network?
Is your issue covered by your plan?
What percentage of the bill will my insurance pay for?
Are any tests covered?
How many office visits are covered?
Step Two: Talk To Your Chiropractor
Most major medical plans allow for chiropractic treatment, as do workers’ comp, Medicare, and some Medicaid plans. When you make an appointment with a chiropractor, you can tell the scheduling assistant what you’ve learned from your insurance company. Double-check that they will work with your company, and make sure you understand what the initial consultation will cost. Then, you can speak with the chiropractor or billing manager about any other questions, such as:
How much can you expect to pay out of pocket?
How many appointments will you need?
Are there alternative methods of payment?
Are there other treatments that might be less expensive?
Step Three: Take Care of Your Health
Will insurance cover all your chiropractor appointments? No, probably not everything if you want to make wellness and maintenance visits. Although insurance companies take care of more extreme conditions, regular appointments with a chiropractor can improve everything from recurring headaches to sleep problems.
Is it worth it to you to pay for these visits out of pocket? First of all, you might be surprised to find that treatments and adjustments are less expensive than you assume, even without the help of insurance. But you’ll have to decide how much of an investment you want to make in your health. If chronic pain is limiting what you can do, or if chiropractic adjustments make you feel great, then it’s a quality-of-life issue. Nothing is more important than your health.
If you’re looking for a chiropractor in Montclair, New Jersey, Dr. Jennifer Dour can talk with you about your options. There are different methods of care and techniques for diagnoses, and the two of you can decide together which ones balance your needs with your budget. Contact Garden State Spinal care for more information.
