The short answer is: it depends. Some insurance plans recognize the benefits of these treatments, while others might not be on the same page.
Do Networks Impact Chiropractic Care?
Yes, if you are on an HMO plan you may need a referral from your PCP (Primary care physician). PPO plans allow you to go directly to the chiropractor without jumping through hoops.
Does it matter if my provider is In-Network vs. Out-of-Network?
Yes, some plans only cover chiropractic visits if you stick to in-network practitioners so be mindful to go to in-network providers if possible to keep your out of pocket costs at a minimum.
How does my deductible apply?
If you’re on a high-deductible plan, you might need to hit a certain spending limit before the insurance kicks in. Other plans have copays or set benefits for chiropractic visits.
Can I use my HSA or HSA to cover Chiropractic care?
Yes, if you have an FSA or HSA, it can be your secret for covering chiropractic costs that insurance won’t touch.
Policy Details Matter:
Give that policy of yours a good read. Look for the fine print on chiropractic care.
Check for any hoops you need to jump through, like pre-authorization or referrals. Oftentimes plans have limits on the amount of visits they cover per year.
Policies can change anytime. Make it a yearly ritual to check what’s new in your policy. Discuss your options with a broker on chiropractic coverage and get a list of in-network chiropractors.
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