It’s important to understand the costs involved with chiropractic care, what your insurance covers, and what your financial responsibilities may be. Insurance coverage for chiropractic care can depend on a variety of factors. Most plans cover the cost of chiropractic care for acute (short-term) conditions. However, many patients often have a co-pay at the time of their visit.
When longer-term care is needed for conditions that are chronic, severe or occur in conjunction with another health problem, be sure to talk with your insurance company to determine your benefits. Most cover initial and some rehabilitative care for acute conditions, but many do not cover maintenance or wellness treatments.
ANH Wellness Chiropractic PLLC currently is in-network with Excellus BCBS insurance.
Unfortunately, they do not cover wellness visits. Please note that once your care plan is finished, your insurance will not cover maintenance visits. We are no longer in contract with any other insurance companies. However, patients requesting to utilize your medical benefits will receive a detailed bill of services that you can submit to your insurance company for potential reimbursement. Patients are allowed to use flex spending or their health savings account (HSA) to pay for their visit costs.
Some health insurance plans don’t cover maintenance chiropractic care because many health insurance companies don’t see maintenance care as medically necessary. Why don’t they consider it medically necessary? That’s a question only insurers can address. It’s likely they prefer to pay for treatments that help people recover from an illness, injury, or other situation. They don’t want to pay for treatments after someone hits a plateau and stops showing signs of improvement. That’s a common reason few health plans cover maintenance chiropractic care. Don’t assume that’s true of you plan, though.
Before you schedule anything, review your plan and see if it says anything about chiropractor visits. If it doesn’t, contact the insurance company and ask for clarity. And don’t just ask if your policy covers this type of care, but when and how much and for how long as well.