As benefits for chiropractic care dwindle, more families are forced to choose between needed chiropractic care and other necessities. Because patients with insurance coverage have the benefit of the carrier negotiating the fees with the doctor, cash-paying patients, or those with non-covered services like Medicare beneficiaries, may actually have to pay MORE than insured patients. ChiroHealthUSA allows patients to use the membership concept they are already familiar with to access needed care for their immediate family.
Insurance coverage for chiropractic care can depend on a variety of factors. Most plans cover the cost of chiropractic care for acute (short-term) conditions. However, many patients often have a co-pay at the time of their visit.
When longer-term care is needed for conditions that are chronic, severe, or occur in conjunction with another health problem, be sure to talk with your insurance company to determine your benefits. Most cover initial and some rehabilitative care for acute conditions, but many do not cover maintenance or wellness treatments.
Overall costs for patients receiving care for back pain have been reported as lower for those who receive treatment from a chiropractor. While chiropractic care has become a well-accepted treatment for acute pain and problems of the spine, there are ongoing studies regarding its usefulness for problems such as ear infections, dysmenorrhea, infant colic, migraine headaches, and other conditions. As research continue, insurance companies will begin to cover more conditions.
While most insurance companies do not provide coverage for patients to purchase nutritional supplies, analgesic gels and other OTC topicals, many insurance companies do reimburse DME. In other words, that cervical pillow or that lumbar back brace you just sold your patient may have been covered by their insurance benefits, if you correctly billed for this supply.
Since the underlying issues that require chiropractic care are typically more chronic in nature (last long periods of time if not indefinitely), there may be caps on the number of covered benefits in a given year. Some health carriers may allow more covered benefits but authorization is required first.
The birth of chiropractic as a healing profession occurred in the U.S. in 1895 with the founding of the first College of Chiropractic, based on the philosophical principles that spinal health was vital for overall wellness.
A chiropractic adjustment or manipulation works to remove spinal joint fixations and reduce nervous irritations. Chiropractic procedures are drug-free and surgery-free. Chiropractic medicine believes that good health depends on the normal function of the nervous system, because nerves influence all body tissues. Chiropractic can increase motion, increase circulation, reduce swelling and pain and allow the body to heal itself. In addition to manipulation, many chiropractors use techniques such as exercise, nutritional counseling, and physiotherapy, although almost all chiropractors use spinal adjustment as their primary treatment approach. In 1994, the Agency for Health Care Policy and Research identified joint manipulation as an acceptable method of treatment for relief of acute low back pain.
To date, there is no scientific evidence to support the effectiveness of chiropractic for problems other than low back pain but the first federally funded research is currently underway to study the effects of chiropractic on other health problems and the results will be published in the near future. Chiropractors may have varying techniques and routines, but a typical visit involves taking your personal and family health history along with a physical exam, blood pressure, pulse and respiration (breathing) measurements, and possibly order a blood test. Your posture will be analyzed as well as your joint movements to determine areas of fixation. The chiropractor may also take an X-ray of the area where you are experiencing pain, before beginning manipulation treatment. Although the spine is the main area of focus, chiropractic manipulations can be applied to any muscle or joint in the body.
At the time of the treatment the chiropractor will give advice about nutrition, exercise, stretching, and posture to avoid future problems. On average, a course of treatment for a specific problem involves 3 to 5 visits per week for 2 weeks. If pain continues, you should see your regular physician for further evaluation.The goal of chiropractic treatment is relief of musculoskeletal pain and restoration of mobility. However, many people use chiropractors for a wide variety of ailments. If your problem isn't clearly related to the back or the joints, you should check with your physician. If a chiropractor discovers a problem that requires medical attention, he or she should refer you to your physician right away. Chiropractors are not trained to diagnose the full range of diseases. Chiropractic is not recommended for people who have osteoporosis, bone or joint infections, bone cancer, rheumatoid arthritis, spinal chord or bone marrow diseases, and areas of previous fractures or spinal surgery. There are currently more than 50,000 chiropractors in the United States and all are required to have attended an accredited 4-year chiropractic college and pass state licensing exams. To find a chiropractor in your area, ask your physician, or contact the American Chiropractic Association (800) 986-4636. Always discuss your condition and expectations beforehand, and determine if you feel comfortable with the chiropractor's treatment plan and philosophy. Check with your benefits administrator regarding coverage for chiropractic services under your health care plan. This information is provided for educational purposes only and is not a substitute for sound medical judgment. If you have any questions or concerns, you should discuss them with your physician.
Each person is different. A good starting place is to think about what medical coverage you may already have. This can include things like health insurance. With that information, you have a better starting place to help choose how much coverage you may need.
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
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Most types of health insurance have an open enrollment period during which you can sign up for private health insurance. This is true whether you buy insurance via the Affordable Care Act (ACA) health insurance exchange in your state, sign up directly through the insurer, enroll in the plan that your employer offers, or sign up for Medicare.
In 2021, the average national cost for health insurance per year was $7,739 for single coverage and $22,221 for family coverage. However, this cost can vary considerably depending on your healthcare needs, the state where you live, and what level of coverage you require.
A good place to start looking for coverage is the Health Insurance Marketplace created in 2014 by the ACA. On the marketplace for your state, you can look through the details of private health insurance plans and compare the cost and benefits of each. If your state does not have its own marketplace, use HealthCare.gov.
All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico.
Corrections to problems in the muscles, joints, or bones can resolve many health issues. Straight chiropractic does not offer diagnostic services beyond spinal manipulation. Mixed chiropractic clinics add diagnosis and homeopathic products to their treatment options.
Like other medical professionals, as a chiropractor, you need to make sure that you have comprehensive insurance coverage that prevents you from absorbing liability in your practice. Working as a chiropractor leaves you at risk from patients who file claims due to malpractice and other events.
While your job is to relieve pain, dissatisfied customers often file claims against their treating chiropractors, leading to loss of business, sullied reputations, and financial distress. This is why chiropractors need chiropractic insurance.
Chiropractic business insurance is a type of insurance coverage specifically designed for chiropractors and chiropractic practices. This insurance helps protect chiropractors from financial loss in the event of a lawsuit or other liability claim, such as a patient injury or malpractice. Chiropractic business insurance can include coverage for general liability, professional liability, property damage, workers' compensation, and more.
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small chiropractic practice ranges from $37 to $59 per month based on location, services offered, payroll, sales and experience.
According to statistics, one out of every three medical professionals offering chiropractic services has faced a claim within the last year. If you find yourself among their ranks, you will want to have a good chiropractic insurance policy in force.
While many states require that all medical professionals have malpractice insurance, even in states that do not, this insurance is a necessity that you should not be without. Even if you work for an employer who offers coverage, it may not fully cover claims against you. 59ce067264