Chiropractic Insurance Coverage varies greatly from one insurance company to the next. It is important to know what your insurance covers for chiropractic care as well as understanding what your financially responsibilities may be. Insurance coverage may depend on factors such as:
- Meeting your deductible amount
- Type of care for which you’re seeking treatment
- The event which caused an injury
Most insurance plans cover acute or short-term conditions. However, there may be a “co-pay” at the time of your visit. If you have a chronic or long-term condition, be sure to check with your insurance company to understand what your insurance covers. At our clinic in Rochester, NY, we often see policies which cover initial care and some rehabilitative care. However, insurance companies do not typically cover maintenance or wellness care.
Stages of Chiropractic Care
Chiropractic Insurance Coverage is uniquely structured to handle this need. This coverage with the understanding that the type of care you need will determine what your insurance may cover. It will also help determine whether the patient or the insurance company bear the financial responsibility for care. There are three stages of chiropractic care.
- In stage 1: The appointments are more frequent. The goal of this stage is to relieve pain and restore mobility.
- In stage 2: The patient moves to a rehabilitative phase to help the healing process. This will also help prevent relapse.
- Final Stage: The patient will receive wellness treatments to maintain the progress made.
Chiropractic care coverage varies for each insurance company. Sometimes, insurance companies have a deductible to meet before treatment is covered. There may even be instances where chiropractic care is not covered by insurance. So, before you create an out-of-pocket expense, if you have any questions about what your insurance covers, check with your insurance company.
Overall, patients who seek chiropractic care for back pain have reported lower costs for treatment. If you are interested in scheduling an appointment with us, or have questions about insurance coverage, contact our office. We’ve been through this process numerous times and can often assist patients in navigating the paperwork and calls in order to promote healing and a healthy recovery.