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While chiropractors can be both cost effective and affordable, it should please you to know that most insurance plans do cover chiropractic care. Most healthcare plans currently offer chiropractor insurance, but if you’re not certain, be sure to contact your benefits manager to inquire whether it is offered under your current plan. Chiropractic care should only be carried out by a licensed physician who has completed the proper schooling and passed both of his national and state examinations.
While there are a few companies out there that offer chiropractor insurance, odds are it will be offered under your current insurance plan. If you are interested in purchasing insurance that is only for chiropractic care, it is available and is not too costly. Make sure you purchase your chiropractor insurance for a legitimate and trusted dealer, not some fly by night agency that won’t be there for you when you need them. Chiropractic care isn’t too expensive to begin with, so make sure that you don’t purchase a plan that has a high deductible, even though it may be cheaper. Chiropractic insurance will probably only be beneficial to you if you have to go to your chiropractor on a regular basis.
Out of Pocket Chiropractic Costs
If you only go to your chiropractor a few times a year, you may instead wish to simply pay the cost out of pocket, or switch to a standard medical insurance provider which covers chiropractic care. If you have a traditional insurance provider, your chiropractor will have to speak with them and work out a payment plan, and accept the fee schedule as well as the treatment guidelines of the managed care organization. You will then have to pay an out of pocket co-pay for each visit until you have reached the deductible. At this point your insurance company will pay all of the agreed upon percentage of your chiropractic care costs.
Group Health Plans Offering Chiropractice Insurance
Chiropractic insurance may also be attainted through group and discount health plans. If you have a group health plan then odds are that it will cover chiropractic care. There has been a large increase in insurance companies’ acceptance of alternative therapies such as chiropractic care. The payment guidelines will not be very different, if any, from the standard insurance plan. Discount health plans may or may not cover chiropractic care. These plans are different as you will receive a discount on your treatment instead of having the insurance company pay a percentage of the costs.