Chiropractic costs and their relation to insurance coverage may seem confusing at first, but it’s a simple, cost-effective investment. Several studies in the past few decades determined that chiropractic care expenses often reduce a patient’s overall healthcare spending. Yet while improved musculoskeletal health and pain relief often decreases the number of doctor visits and lower or eliminate surgical or pharmaceutical costs, financing chiropractic visits often appears confusing. Our recent decision to accept only Blue Shield PPO copays and deductibles while taking other PPO patients on an out-of-network basis may seem like an additional financial burden. However, it could end up saving you money.
Chiropractic Costs and Insurance Benefits
Many patients are confused why, if they have insurance that covers chiropractic costs, would they ever want to pay treatment cost out-of-pocket. We realize it may sound counterintuitive at first. The key is which treatment your insurance covers. Most insurance companies now only pay for chiropractic adjustments without considering the best treatment for a patient’s specific condition. Even if treatment goes beyond an adjustment, insurance may only pay for that portion of total treatment. At Financial District Chiropractic, we believe in a four-pronged treatment approach of rehabilitative exercises, Graston/Active Release Techniques® soft-tissue treatments, chiropractic adjustment and workplace ergonomics provides the most efficient and effective patient care. If an insurance company only pays for adjustments, that leave a patient two options:
- only receiving the treatment reimbursed by their insurance.
- seeking treatment at offices not constrained by insurance contracts.
We feel it’s unethical to allow arbitrary insurance company coverage – not a trained medical professional – to determine your treatment.
How Four-Pronged Treatment Can Save You Money, Time and Pain
Quite often, our four-pronged approach results in a faster resolution of symptoms. That means less pain, fewer visits and fewer healthcare dollars spent addressing your problem. And while that benefit should be seen as a win-win situation for all involved, it does not fit into most insurance companies’ models. That one-size-fits-all approach can cost you the fastest relief. That’s why we put patients first and insurance companies second.
While Blue Shield PPO addresses chiropractic costs with more holistic coverage, we also want to make things easy for our non-Blue Shield patients. Those covered by other PPOs will be charged at time of service on an out-of-network basis. However, we immediately file a reimbursement claim on your behalf to your insurance company. This way, you receive the benefit of efficient care tailored to your needs and payment from your insurance company.
Chiropractic costs should never deter someone from receiving the treatment and pain relief they need. That’s why we work hard to find better insurance solutions, payment plan options and extenuating circumstance payments when necessary. We’re always willing to work with you to find the best, most affordable options for your needs. Read more about our investment options here.