Chiropractic Insurance Coverage
Coverage
Chiropractic Insurance Coverage is different for different insurance companies. It is important to know what your insurance covers for chiropractic care. It is also important to understand what you may be financially responsible for. Insurance coverage will depend on certain
Chiropractic Insurance Coverage
factors. These factors include if you have met your deductible. It also includes the type of care you are seeking treatment for.
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 see what is covered. Most insurances cover initial care and some rehabilitative care. Insurance companies do not typically cover maintenance or wellness care.
Stages of Chiropractic Care
Chiropractic Insurance Coverage handles this differently. There are three stages of chiropractic care. Understanding the type of care you need will help determine what insurance may cover. It will also help determine how much financial responsibility may fall on you. In stage one, the appointments are more frequent. The goal of this stage is to relieve pain and restore mobility. In stage two, the patient moves to a rehabilitative phase to help the healing process. This will also prevent relapse. In the final stage, the patient will receive wellness treatments to maintain the progress they made.
Insurance Companies
Chiropractic care coverage varies for each insurance company. Below is a breakdown of what insurance covers regarding chiropractic treatment for our office. Sometimes, insurance companies have a deductible to meet before treatment is covered. If you have any questions about what your insurance may cover, check with your insurance company.
Medicare/Medicaid
If a patient has Medicare, the first visit would be up to $75 and the following visit would be $8.20. Most times the medicare suplliment will pick up the remaining $8.20. If a patient has Medicaid, each visit would be $40.
Optima/ Tricare or High Deductible
The Affordable Health Care Act allows us to offer a 25% discount which would bring the price to $56.25 for the exam and consultation fee and an additional $56.25 if x-rays are needed. Making the first visit at most $112.50. There are some restrictions for patients with high deductibles which we can explain at the office for you.
Blue Cross
If the patient has met their deductible the co-payment is normally between $20 and $40. If the patient has not met their deductible the exam and consultation fee is $75. If x-rays are needed it will be an additional $75.
All other Major Medical including Blue Cross/ Anthem, Cigna, and Aetna
If the patient has reached their deductible, normally the co-payment is between $20 and $40. If they have not reached their deductible, the exam and consultation fee would be $56.25. If x-rays are needed it will be an additional $56.25. There are some restrictions for patients with high deductibles which we can explain at the office for you.
No Insurance
Exam and consultation fee is $75. If x-rays are needed it will be an additional $75. If the patient has no insurance we give a 25% discount which would make the exam and consultation fee is $56.25, and if x-rays are needed an additional $56.25. Additional visits would be $52.50.
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 at 757-473-9900.
Check us out at http://www.kudzu.com/m/ProAdjuster-Chiropractic-Clinic-30097886
