If you do have a deductible, your insurance company may also pay a percentage of your healthcare services. Sometimes, they pay 100% after you've met your deductible (usually this is only when your deductible is very high). More typically, they will pay 80 or 70%, with you to pay the remaining percentage.
Limitations In Your Chiropractic Coverage
Your Blue Cross/Blue Shield plan may also include some limitations or restrictions with regard to your chiropractic care. This may include a limit to the total number of visits you can see your chiropractor, or a limit as to how much they will pay for chiropractic services. We will be able to verify all of this when we contact them for your benefit information.
"Will My Insurance Help At All?"
Absolutely! You've paid your premiums and you should get some coverage from BCBS for chiropractic care. Most plans do have some chiropractic coverage. If for some reason your plan is limited or it's cheaper for you to not go through insurance, we have affordable payment options.
Many people who can greatly benefit from chiropractic care often fail to receive it simply because they aren’t sure of how to pay for it. Fortunately, if you have Blue Cross Blue Shield health insurance, most or all of your chiropractic treatments will be covered by your policy. Blue Cross and many other health insurance companies recognize chiropractic services as providing natural and effective therapies for alleviating discomfort.
As the benefits of chiropractic care are increasingly recognized, health insurers are finding that it’s often cheaper to cover these services than to pay for other conventional medical treatments. After all, in instances where conventional medicine addresses illnesses by simply minimizing or muting symptoms, chiropractic doctors address musculoskeletal pain and dysfunction directly at its sources. As a result, healing times are often shorter, and symptoms and their causes are less likely to recur.
There are, however, several important things that you should do before scheduling a visit if you intend to use your Blue Cross Blue Shield insurance plan to cover your treatment. To start, it’s always important to understand the terms and limitations of your policy. You can carefully read through your insurance documents to get the answers you need, or you can call your insurer directly.
Next, you’ll need to look for a chiropractic office that accepts this coverage type. Most chiropractors accept health insurance, and many will list the accepted plans right on their professional websites. Finally, if required by your insurer, you may need to get a referral from your regular physician. To do so, simply schedule an appointment with your doctor and state your desire to receive chiropractic treatment. If other treatments or therapies are already in place, this will additionally give your physician the opportunity to coordinate your recovery plan with your chiropractor.
Different Ways to Cover the Costs of Chiropractic Services
When using your Blue Cross Blue Shield cover for chiropractic, certain limitations may apply. For instance, the typical plan will cover:
If your treatment exceeds these or other limitations that exist, the remainder of your care may need to be paid for out-of-pocket. For instance, if you want to take advantage of inversion therapy, massage, ultrasound therapy, or computer-assisted adjustments, you’ll need to ask your insurance company about the availability of coverage for these things. More often than not, co-payments and prescription frees for chiropractic care are classified as out-of-pocket expenses.
In many instances, chiropractic care is needed as the direct result of a physical accident or impact event. For instance, you may need to consult with a chiropractor after being involved in a car crash, a slip and fall accident, or after suffering a work-related injury. In cases such as these, services may be covered by the settlements awarded as the result of any related personal injury, premises liability, or work injury claims. Working with an attorney is one way to ensure that the fees for chiropractic care are reflected in your injury settlement. When another party is responsible for your physical injury, your health insurance company may assist to this end as well. There are even times when chiropractors will work with injury victims with the understanding that all fees for service will be recovered once settlements have been awarded.
When paying out of pocket, you can use cash, a debit card, a credit card, or any other payment medium that a chiropractic clinic accepts. More importantly, you can work with your chiropractor to arrive at a treatment plan that meets your health needs and fits your budget. If you have both primary and secondary health insurance plans, there is also the possibility of using elements of both coverage types to cover most or all of your treatment costs.
No matter what the case may be, receiving chiropractic care is often the fastest and least expensive way to obtain long-lasting relief for musculoskeletal issues, and for many secondary health issues that are ultimately the result of musculoskeletal dysfunction or distress. If you’ve been dealing with chronic headaches, joint dysfunction, neck pain, shoulder pain, or back pain, we can help. Get in touch with our office now by calling 205-637-1363. to know more about our prices, our treatment plans, and the different insurance types that we currently accept.
Does Blue Cross Blue Shield of Texas cover chiropractic?
Fortunately, if you have Blue Cross Blue Shield health insurance, most or all of your chiropractic treatments will be covered by your policy.
What does a chiropractor help with?
Chiropractic is a healthcare profession that cares for a patient's neuromusculoskeletal system — the bones, nerves, muscles, tendons, and ligaments. A chiropractor helps manage back and neck pain through the use of spinal adjustments to maintain good alignment.