Chiropractic Care Benefits in your health insurance plan

Gracie · October 2001

I am just checking if any of your health plans offers coverages for chiropractic care visits and if you do, how much is the employee entitled to for coverage per calendar year, how many visits and how much per visit.

I will greatly appreciate your responses.

Down_the_Middle · October 2001

We offer a PPO plan---------Chiropractic care is much more of a geographic issue than you might believe, but we offer DC care at 80% (for in network providers) after the $250 deductible. Out of network is paid at 50% after deductible. No limit on number of visits.

System · October 2001

I'm a huge fan of chiropractors. In my experience, they're cheaper and more effective than MDs for many conditions. Our PPO covers chiro the same as an MD office visit.

I once had insurance that limited the number of chiro visits per year. Another time, I had insurance that would cover chiro only if referred by an MD (which will never happen). I think these limitations are short-sighted, but I'm biased.

James Sokolowski
Senior Editor
M. Lee Smith Publishers

bsa · October 2001

Our PPO has a $1,000 maximum per year for chiropractors.

Dottie · October 2001

Our health plan offers chiropractic at the same level as other health services - no limit. Out of network, 70% after deductible.

franfields · October 2001

Our plan has a rider for chiropractic. We pay a $20 specialist co-pay and are limited to 10 visits per year.

gimper · October 2001

Our health plan provides for all inpatient, outpatient and related charges, with a maximum of 40 visits to a chiropractor per calendar year, are payable for a maximum of one visit per day at the lesser of 80% of the UCR charges or $50 per visit, subject to the Deductible. X-rays shall not be included in the charges per visit for purposes of the $50 per visit limit.

lam · October 2001

We do offer a chiropractic rider. The employee is entitled to 20 visits per year for the cost of a $10 co-pay.

Gracie · October 2001

Thank you for all your responses. These have been helpful in our review of our current coverage. Best regards.

Gomez · October 2001

Our PPO plan covers 100% after a $10 co-pay to a max of $1500 per calendar year if you visit an in-network chiro. If an out-of-network chiro is used, our plan pays 80% of R&C after the deductible and until out of pocket is met, then it is covered 100%. This also has a $1500 calendar year max.

RF

Chiropractic Care Benefits in your health insurance plan

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