Chiropractic care is covered in most insuranace policies. As long as your policy has chiropractic benefits, American Chiropractic will file these claims for you. If you are not sure whether your insurance has chiropractic benefits, we will be happy to verify your coverage for you. The information we will need either over the phone or by e-mail is:
If you choose to call your insurance company yourself to verify chiropractic benefits, here are some key questions to ask them:
- Does my policy have chiropractic benefits?
- Are there any specific limitations for chiropractic? Such as:
- Maximum number of visits per year
- Dollar maximum per year
- Dollar maximum per visit
- Is there a deductible for chiropractic benefits?
- What is the percentage of coverager of spinal mainpulations and x-rays after the deductible?
- Do I need a referral from my doctor?
HMO & PPO Coverage
American Chiropractic is a participating member of many insurance plans. If we are not in your provider book, do not worry. Most insurance companies have IN & OUT of Network benefits for chiropractic care. Also, we join many new plans as they become available, so we always recomend you ask us if we are part of your plan.
If you are a member of an HMO, you may need to get a referral from your primary care physician to our office. We will be happy to assist you in any way possible in doing so.
Each PPO is different and may also require a referral from your primary care physician first. Once your insurance coverage is verified we will have a better idea of how to serve you.
Medicare and Medicaid, Too
Medicare covers spinal mainuplations at 80% and most Medicare Supplements will pay the other 20%! Medicaid will cover 12 chiropractic visits per year! Even without insurance, care is still very affordable.
We understand that in some cases finances may play an important role in your ability to get the chiropractic care you need. American Chiropractic has worked very hard to make the cost of care affordable to everyone. It is for this reason that we offer our optional Health Care Made Affordable Program.
Once you have been examined and x-rayed, the doctor will be able to determine what type of treatment would be most beneficial for you. The total cost of care is given to you up front, with several different payment options. We even give discounts when payment in full is made up front.
All those contemplating family health insurance in the near future or at a later date, ask if chiropractic coverage is included in your policy. Chiropractic is automatically covered in some policies, in others, it can be added to your present policy. This inclusion can be valuable in obtaining total health care for your family.
