Chiropractic care entails diagnosing and adjusting back problems by manually manipulating the bones in the spine to ease pain and restore mobility. Years ago, chiropractic care and other forms of alternative medicine were considered unorthodox and often weren't covered by health insurance providers. Today, as more and more insurance carriers are looking for ways to promote wellness and good health, the rules have changed.
Instructions
Get Health Insurance to Cover Chiropractic Care
1. Find out what is covered by your health insurance plan. Check to see if your chiropractic care team is listed among their approved providers for those services.
2. Determine if your insurance carrier is an HMO (Healthcare Management Organization) or PPO. HMOs will generally only cover practitioners who are on their approved list. PPOs tend to pay for any chiropractic service, usually up to 80 percent of fees charged by providers not on their preferred list, as well as a prearranged fee to the provider if they are preferred.
3. Get your chiropractor's office team to help you find alternatives to your health insurance if you can't get coverage for your visits. Many practitioners have special financing plans available.
4. Look for more information about insurance coverage and rights of the insured online at the Insurance.com Web site (see Resources below).
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