How does health insurance work for Chiropractic

How Does Health Insurance Work for Chiropractic?

Chiropractic health insurance is a type of insurance coverage that pays for a portion of your chiropractic expenses. It protects you from paying full costs of medical services. Your health insurer agrees to pay a certain amount of medical costs as you agree to pay a certain rate or premium each month. Each plan or policy is different for the portion of expenses paid.

What Does Health Insurance Cover?

A standard health policy covers (but not guaranteed to cover):

  • Emergency services

  • Chiropractic services and procedures

  • Visits to primary care doctors and specialists

  • Medical check-ups

  • Prescription drugs

  • Medically necessary procedures

How Does a Deductible Work?

A health insurance deductible requires the insured or anyone who is covered under the plan to pay a certain amount towards their health coverage before the insurance will start paying under the health plan. The insured must pay and satisfy a certain amount of money in order for insurance to pay a certain percentage. After this deductible is met, your plan may pay your chiropractor bills at partial or full reimbursement.

What is a Copay?

Some insured do not have a deductible to satisfy. A copay is a small portion you pay for every doctors visit, lab test, or medical procedure. The insurer (patient) will be responsible for paying the balance. Chiropractic co-pays can range from $5 - $45 depending on which plan you choose.

Other Types of Insurance

Auto insurance protects against financial loss in the event of an auto accident. Coverage typically includes liability coverage, property coverage, and medical coverage. Medical coverage includes for the cost of treating injuries and rehabilitation.

Chiropractic care from an auto accident is typically covered at 100% with no out of pocket expense to the insured (patient).

Workers compensation also has coverage for accidents that happen while on the job and is a required insurance for all of Montana employees. Workers comp also pays 100% for chiropractic treatments.

Accident, sickness, and unemployment insurance policies are disability insurance policies. It provides financial support for the policyholder in the event of a disabling illness or injury disallowing them to work.

Insurance Companies

Here is a list of major medical insurance companies with a strong national or regional presence that our doctors at Gallatin Valley Chiropractic are in network with:

  • Aetna

  • Pacific Source

  • Assurant

  • Allegiance Health

  • Blue Cross and Blue Shield Association

  • Cigna

  • Premera Blue Cross

  • Meritain Health

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