For millions, chiropractors are a total Godsend. Here at our Chicago health insurance agency, we are often asked a diverse spectrum of questions; one of the most common, as you might expect, is: "Is chiropractic care covered by health insurance?" The short answer is, maybe. Let's explain.
When wondering whether or not your chiropractor accepts health insurance, there are a number of considerations to keep in mind. Let's explore some of the basics to help you on your way to a healthier spine and circulation.
Call Your Chiropractor Directly
At the risk of sounding completely obvious, the best place to start is by speaking directly with your chiropractor. The number of chiropractic physicians who accept payment through health insurance is constantly on the rise, though there are many concerns over how this will be affected by the Affordable Care Act. If you're feeling nervous, awkward or embarrassed about asking... don't be. It's a completely common and legitimate inquiry, made by people every day.
Review Your Health Insurance Plan Details
If you're among the more health insurance savvy, and familiar with how to read insurance policies, the best place to start is by digging up the policy information (which should be available online too), to see if your specific plan covers adjustments, spinal manipulation, massage, physical therapy, and so on. If it does, then you should have no problem using your insurance to cover this expense. In fact, many people who have HSA plans, rely on chiropractic care to meet their annual deductibles.
Consult a Chicago Health Insurance Broker
Health insurance brokers are absolutely the most beneficial, time-saving, and quite possibly most under-appreciated professionals in the healthcare industry. Their services are paid for by the carriers (BlueCross BlueShield, Humana, Aetna, etc.) and provided at zero cost to you. Honestly, if there is another industry where anything like this exists, we have not yet discovered it. Experienced insurance brokers can help you find the best health plans, answer all your questions, and give you priceless tips on how to lower your premiums. It really is the ultimate win-win.
Are you in the Chicagoland area and looking for a healthcare plan that covers chiropractic care? Here at Premier, we are thoroughly well-versed in the various plans, and have helped thousands of IL individuals, families and business owners find the best health insurance for their needs.
If you're stuck in a plan that does not cover treatments such as massage, acupuncture, chiropractic care, etc., give us a call. We will show you exactly what's available, how to save money on your monthly premiums, and more. Best of all, our services are absolutely free, and we're conveniently located in both the city and western suburbs.