Verify Your Insurance

Verifying your insurance? Here’s what to ask!

1. Is chiropractic care covered?

• Does my insurance plan cover chiropractic care?

• Is there a limit to how many chiropractic visits I can receive each year?

• Do I need a referral from my primary care physician?

• Do I need authorization or approval before starting treatment?
  
  

2. What will I have to pay?

• Do I have a copay for chiropractic visits?

• Do I have a deductible that must be met before insurance pays?

• After meeting my deductible, what percentage of my treatment costs will insurance cover?

• Will I have additional costs for examinations or other services?
  
  

3. Can I see any chiropractor?

• If I see an out-of-network chiropractor, will I still receive insurance benefits?

• Will my out-of-network visits cost me more?
  
  

4. What types of services are covered?

• Does my insurance cover chiropractic adjustments, initial examinations, follow-up examinations, therapeutic rehabilitation?

• Are there any services that are specifically excluded from my policy?
  
  

5. Are there any restrictions I should know about?

• Are there restrictions on receiving chiropractic care for chronic conditions?

• Does my insurance cover maintenance or preventive chiropractic care?

• Do I need to demonstrate medical necessity to continue receiving treatment?

• Are there any circumstances where my chiropractic coverage could be denied?
  
  

6. Before ending the call

Ask the representative:

• Can you provide a reference number for this conversation?

• Can you send me a written summary of my benefits