Funding Chiropractic Care

Determining how to fund chiropractic care is imperative before seeking any type of chiropractic treatment. As a general rule, when compared with other types of complementary therapy, insurance coverage for chiropractic care is relatively widespread.

In fact, numerous third party service providers such as private health insurance providers, HMOs (health maintenance organizations), state Workers' Compensation programs, and auto insurance cover chiropractic treatment costs. Further, Medicaid also covers many forms of chiropractic care.

Private Health Insurance

As mentioned, multiple private insurance companies do pay for chiropractic treatments. To find out which insurance companies cover or partially cover chiropractic treatments, one should contact the state insurance provider. While they will not offer specific recommendations, they can provide literature that includes important information about health insurance company ratings and profiles. However, as the coverage can vary from provider to provider, it is always important to find out exactly what treatments are covered. To avoid any potential disputes with insurance companies in the future, it is also wise to take note of whom you are speaking with and to make photocopies of all chiropractic invoices and other correspondence. Of course, one should also determine whether or not a chiropractor accepts health insurance payments as some chiropractors operate cash only practices.

Auto Insurance

With this insurance, individuals can become eligible for chiropractic treatment coverage - provided that medical expense benefits option is purchased on an auto insurance policy.

Workers Compensation

Chiropractic coverage can be available through Workers’ Compensation for work related injuries. However, the injuries must be reported to a supervisor when the injury occurs - and an employer must accept the injury case.

FSA (Flexible Spending Account)

If your health insurance does not cover all of the expenses, an FSA (Flexible Spending Account) could cover the remainder of the costs – provided that the treatment is required for a specific medical condition.
An FSA, in particular, permits employees of organizations to save a percentage of their earnings for health care expenses. Since employers deduct this pay percentage from employees checks directly, payroll taxes are not applied to this FSA money. As a result, individuals who contribute to an FSA pay less payroll taxes.

Government Financial Assistance

The federal government may be able to provide financial assistance if the individuals in question meet any of the following criteria: they are sixty-five years of age or older, they served in the military, they are low income individuals, they have a disability, they do not have any medical insurance, or they are a member of a group that has difficulty in getting proper medical treatment. The assistance these individuals receive can either be through direct medical care at public facilities or it can be in the form of direct payments.

No Health Insurance

In situations where individuals do not possess any or have little chiropractic health insurance, other arrangements can be made with many chiropractors. Some of these arrangements can include getting significant discounts for paying the same day via cash or credit card. Other chiropractors do offer family discounts if other members of the family are seeing the same chiropractor. Further, some chiropractors permit individuals to pay in installments. However, it is important to ask a chiropractor what his or her specific policies are with respect to payment before embarking on chiropractic treatments.

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