Live Well Adjusted is committed to providing affordable chiropractic care. We are currently accepting new patients and are in network providers with all automobile insurance, worker’s compensation and a wide majority of health insurance carriers in Minnesota. Contact our office and we will assist you in verifying your chiropractic benefits. Below are answers to the most frequently asked questions:
When is Chiropractic care covered by my health insurance plan?
Chiropractic care is covered under most health insurance plans if it is for an acute (short-term) condition such as for a recent injury, or for a condition where treatment offers lasting benefit or curative value. An exam or re-exam may be conducted to establish what condition is being treated. Coverage for exams vary by plan.
Is there a certain amount of treatment that is covered?
For most plans, the amount or length of treatment that is covered by insurance is not necessarily defined by the number of visits or types of treatment (though some plans require pre-authorization with a specified number of visits). Rather, the treatment is covered as long as it demonstrates significant, lasting, or progressive improvement to your condition. (Many plans have a maximum number of chiropractic visits allowed in a plan year, even if treating for an acute condition).
When is chiropractic care NOT covered by my health insurance plan?
Chiropractic care is NOT covered under most health insurance plans when you reach a point in treatment where chronic symptoms remain stable or where you no longer show progress in reducing these chronic symptoms through chiropractic care. At this point, you have reached what is called “maintenance” care.
How will I know if I have reached the end of covered care?
Your chiropractor will let you know when you have reached a point of “maintenance” care and will discuss further care options.
What happens when I am determined to have reached the end of covered treatment but I still want to have regular chiropractic adjustments?
You may continue maintenance treatment, but you must pay for it completely out-of-pocket. If you choose to receive chiropractic care beyond acute care, it is a self-pay service where you would be responsible for payment. Contact your insurance provider to determine if you have coverage for maintenance care.
How will I know the cost to me for maintenance care?
Prior to receiving maintenance care, our staff will have you sign a Financial Disclosure Form (ABN for Medicare patients), letting you know in advance the costs of the elected services.
Is it possible to move from maintenance care back to chiropractic care covered by my insurance plan?
If you sustain a future incident or injury, your chiropractic care would again meet the criteria for acute care and would be covered by your health plan, until that condition has reached a plateau level and does not provide any more lasting, curative value. (Again, many plans do have a plan year maximum of visits, even if treating for an acute condition.)
Who should I contact with questions?
Our staff will be happy to assist you with verification of your chiropractic benefits with your insurance provider prior to your appointment. Please contact your health plan’s customer service department for any specific questions regarding your benefit coverage. As with all verifications, the insurer does not guarantee coverage for services until they receive the claim for review.