Chiropractic care is an important area of medicine that focuses on helping people with issues related to the alignment of their muscles, ligaments, tendons, and bones. In addition, chiropractic care can also help people who are recovering from serious injuries or who have trouble dealing with chronic pain and nerve damage.
While chiropractic care can take many forms, one of the most common treatment methods is an adjustment. This involves shifting the location of the body’s muscles, ligaments, tendons, and bones ever so slightly to alleviate stress on certain parts of the body.
One of the most common questions people have about chiropractic care is whether or not it is covered by insurance. With this in mind, there are a few important points that everyone should keep in mind.
Does Medicare Cover Chiropractic Care?
This is one of the most common questions people have when they come to see us. It is important to break down Medicare into its different parts. These include:
- Medicare Part A: Medicare Part A deals with care that people receive while they in the hospital. This is Medicare coverage that is designed to pay for emergencies, such as trauma surgeries following an accident. Because chiropractic care is not hospital care and is not an emergency, Medicare Part A does not cover chiropractic care.
- Medicare Part B: Medicare Part B covers medically necessary services as well as preventative care. Preventative care usually covers well visits, flu shots, and mental health services. Therefore, Medicare Part B will cover medically approved chiropractic care treatment options. This includes spinal manipulations. After meeting the deductible, Medicare Part B will cover 80 percent of the cost of these treatments; however, they may not cover other procedures, such as x-rays. It is important for everyone to stay up to date on what Medicare Part B does and does not cover, as this may change with new legislation.
- Medicare Part C: This is also called Medicare Advantage. This is a health plan that is offered under the name of Medicare by private insurance companies. Medicare Part C plans vary from plan to plan, so everyone must read their Part C plans carefully so that they know what is covered and what is not.
These are a few of the most important points to keep in mind when it comes to Medicare and chiropractic care.
Does Medicaid Cover Chiropractic Care?
First, Medicaid is a health insurance plan that is designed to cover socially disadvantaged populations. Medicare covers elderly individuals. Medicare is governed on the federal level and Medicaid is handled state to state. It is critical to remember the difference between the two.
In the state of Florida, Medicaid does cover chiropractic care to some extent. The coverage of Florida Medicaid for chiropractic care includes:
- One new visit plus 23 additional established visits per year (or two visits per month)
- Coverage for x-rays
This coverage includes the diagnosis and treatment of any conditions related to the misalignment of the joints, including the spinal column. Therefore, Florida Medicaid does cover chiropractic care.
Does Insurance Cover Chiropractic Care?
Finally, many patients who come to see us have private insurance. The good news is that most private insurance plans will cover the cost of chiropractic care; however, there are many insurance companies that operate in the state of Florida and each company has its own plans.
We accept almost all major insurance providers and we would be happy to work with you to figure out if your specific plan covers our services. In addition, we also encourage everyone to reach out to their insurance provider with any questions or concerns they have about the coverage of chiropractic care with respect to their specific plans. We are here to help you answer any questions that you might have.
Does PIP Insurance Cover Chiropractic Care
As a victim, you have 14 days to seek medical treatment following a car accident. If you do not receive care during that period of time, you void your ability to obtain PIP coverage for the treatment you may need. This is why it is so important to get medical care right away if you’ve been injured in a car wreck.
It is important to understand that PIP provides specific types of coverage. Almost all drivers must carry up to $10,000 in PIP coverage, however, benefits may be reduced to $2,500. To receive the full amount, individuals must present with an “emergency medical condition.”
Sometimes, chiropractic care can be obtained over the $2,500 value. However, the law no longer forces insurance agencies to provide victims with coverage for acupuncture treatment or massage therapy.
How Much Is a Chiropractor?
Of course, everyone wants to know exactly how much their visit is going to cost. The answer is that it depends. Some of the factors that will play a role in the cost of the visit include:
- The length of the visit
- The services rendered
- The requirement of any special procedures or equipment
The good news is that for those who have insurance, most of these costs are going to be covered. How much someone will have to pay out of pocket depends on a number of factors. These include:
- Whether someone has met their deductible for the year
- Whether there is a copay someone has to pay
- Whether someone has coinsurance that they must pay
Again, we are here to work with you every step of the way. If you have questions about any of these terms, we are here to help you. Furthermore, we are as transparent as possible with all of our patients. We will not do anything without the approval of our patients first. Trust us to help you with all of your chiropractic care needs.
Contact Us Today!
If you are looking for a chiropractor in Florida who will place your needs first, then look no further than Accident & Injury Clinics, where we serve everyone in the Volusia and Flagler Counties. We even provide a free patient shuttle to help our injured patients get to and from their appointments. If you would like to learn more about how we can help you with your chiropractic care, please contact us today at (386) 492-7931!