For body aches, particularly neck and back pain, as a result of an injury such as car accidents. Work-related injuries or slip and falls, chiropractic care is a great alternative treatment. Over 20 million Americans have appointments with chiropractors every year for a variety of conditions. If you suffered an injury or have aches and pains due to sitting at a desk throughout the day or a car accident, a chiropractor may be able to help.
The question in many patients’ minds is, “does insurance cover chiropractic care? Here is what you may need to visit a chiropractor with your insurance.
You do not always need a doctor’s referral to see a chiropractor. You can go to a chiropractor whenever you want to, but if you want your insurance to pay for it, some policies require you to have a referral from a doctor. The doctor would need to state that you have a valid medical reason to see the chiropractor. Some valid medical reasons may include:
- Chronic migraines
- Stress relief
- Posture improvement
- Chronic pain
A chiropractor like one at Mid-Atlantic Spinal Rehab & Chiropractic uses spinal manipulation to treat pain in a patient’s muscles, bones, joints and connective tissue. Manipulations involve using sudden force to help with the range of motion. Many chiropractors also introduce exercise into the rehabilitation or treatment plan. If a doctor feels as though you would benefit from chiropractic care, he or she can refer you to a chiropractor.
A Medical Necessity
Your doctor’s note would determine whether chiropractic care is a medical necessity. Most insurance companies will only cover care that helps with a particular injury or condition. They do not always allow you to return for follow-up treatment or maintenance care. If maintenance care is not covered under your insurance, you may have to pay out of pocket for care. Continued visits may provide continued healing and reduce your risk of a recurring injury.
A Call From a Doctor
What if your insurance company does not pay for chiropractic care, even with a referral? In this case, you may want to talk to your doctor. Sometimes a doctor can call an insurance company and sway the company to pay for care. He or she can make your case and help you receive the care you need.
A lot of insurance companies do cover chiropractic care if you have a referral from a doctor. As long as your care is medically necessary, you should be covered. If you need more information about paying for your care, contact a chiropractor as soon as possible with questions. If your insurance does not cover it, you may be able to find other payment alternatives.