Tag Archives: car insurance

Does My Insurance Cover Chiropractic?

This question brings on a rant in me. Here I go…

First of all let me lay out the basic premise of insurance. It is a group of people pooling their resources so that in the event that some rare bad thing happens they can cope with it. Until that bad thing happens those resources can be used. This situation applies well to home insurance, because not everyone’s house burns down. Accidents happen though, and if your house were to burn down, or wash away it would be a major loss, so a group of people get together to cover each other in case of fire, flood, hurricane, etc… They pay someone to manage that situation. So they are covered if the unthinkable happens and a job is created. That is a great idea, and system. The same thing works for car insurance, and many other things. Even with life insurance the company is unlikely to have to pay out until they’ve had enough time to make a profit on the investment. And the premiums reflect that. You only pay $50-100 a month for most types of insurance, and the insurance man can still keep his job.

Insurance works because it protects you for something that is “unlikely” to happen. This is why health insurance cannot work. Everyone needs health care (even the healthy 25 year old should be getting an annual checkup). The insurance companies are paying out all the time. It can only work if most of the people don’t use it. But here in America everyone uses healthcare fairly regularly. That puts the insurance company in the position of trying to get customers not to use their service. With chiropractic it’s even harder to justify with 8 out of 10 people estimated to have back pain, insurance companies would only be making money on 2 out of 10 customers.

With health insurance, premiums can easily be as much or more than your mortgage. And most people just pay it. They pay their thousands per month. Then they don’t want to use the benefits because they have to pay out of pocket anyway to meet their deductible and a co-pay.

As far as insurance and chiropractic goes. I accept most insurance plans. Some I don’t because they’re ridiculous. When my patient has a $35 co-pay on top of his premium, and my cash (time of service) rate is $40 it is cheaper for them to drop the chiropractic coverage and just pay out of pocket. That’s what I recommend for most people.

I prefer people pay out of pocket for many reasons. First, it is cheaper for them. Second, I don’t have to ask permission from someone who isn’t even involved to do a procedure, because it may not be covered. Third, I don’t have to pay a collections agent to go get half the money promised by the insurance company. And lastly I don’t have to bill the patient again when the insurance says that they will only pay part of the bill.

So, the answer to the question is yes your insurance company will probably cover chiropractic, but if it doesn’t don’t worry about it, you’re probably getting the better deal. If the unthinkable does happen to you, such as being in a car accident, then they will cover your chiropractic care anyway, and they don’t make you pay a co-pay.

Take good care of your self. I’ll be here if you need me.