Chiropractic care is becoming increasingly popular for people who experience chronic neck and back pain. It is also beneficial for individuals involved in auto or personal injury accidents. Many patients choose to go to their chiropractor even if their insurance doesn’t cover chiropractic care. However, times are changing, and more insurance companies are adding chiropractic care to their coverage options. Those who aren't considering it essential are adding riders to ensure that patients who want that type of care can get it.
Health insurance policies are changing. Although many don't consider chiropractic care an essential form of care, they offer chiropractic insurance for those who prefer that type of care. There are a few insurance carriers who have opted to go above the minimum when it comes to the federal standard and offers chiropractic insurance as part of their traditional health coverage. It will depend on your residence and what insurance carrier you choose to go with. Before you buy a policy, you will need to do some comparison shopping to find out what's available.
Chiropractors are covered in much the same way as other doctors. This includes the initial exam, follow-up visits, adjustments, x-rays, labs, and the use of chiropractic equipment. While most insurance policies cover care that is medically necessary, you may be able to find a policy that also covers maintenance or wellness visits. You will also want to learn as much as you can about provider networks and cost-sharing. Details will be different from plan to plan. Make sure to have your insurance agent review the details with you, so you know what to expect.
Before you start looking, you will need to figure out what you want. Chiropractic care plans will vary from carrier to carrier when it comes to both cost and coverage. You will need to search for chiropractic care coverage on sites that offer a variety of policies. The Marketplace is a good place to start, but there are other options. Make a list of what you want to include in your policy and how much you can afford to pay. Compare prices and see what is available in your price range. You may have to review multiple policies before you find one that gives you everything you want.
Chiropractic care insurance is out there. It's up to you to do your research. Contact the agents at Kneller Insurance Agency to learn more. Our agents can help you find a policy that is in your price range and offers all of the different coverage options that you may be looking for. With the ready acceptance of chiropractic care by the medical community, more and more insurance providers include it in their standard policies. If it isn't included in the policy you want, having it attached as a rider is also an option.
