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What is Chiropractic Insurance?

Article Details
  • Written By: Malcolm Tatum
  • Edited By: Bronwyn Harris
  • Last Modified Date: 05 November 2016
  • Copyright Protected:
    2003-2016
    Conjecture Corporation
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Chiropractic insurance is a form of medical insurance coverage related to treatments and general care offered by chiropractors. This form of insurance is available as a standalone insurance policy in most cases. However, a growing number of insurance providers are beginning to include at least a limited range of chiropractic procedures within the coverage found in traditional individual and group health insurance packages.

As with most types of medical insurance, chiropractic insurance helps to defray at least some of the costs associated with medical care. A health policy covering various forms of chiropractic care is often structured to allow a fixed number of office visits at no charge during the course of the calendar year. Other policy structures may include the use of deductibles, creating a situation where the patient pays a small portion of the overall charge for the office visit. Various procedures, such as adjustments by the chiropractor, may also be covered in a similar fashion.

There are several advantages to securing chiropractic insurance. For people who find this form of alternative medical care very helpful in dealing with different ailments, the policies help to offset what can sometimes be expensive treatments. This is especially true if the course of treatment involves multiple sessions over a period of a month or so.

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Another benefit to patients is the fact that most insurance providers issuing chiropractic insurance coverage require that attending physicians meet a minimum set of qualifications in terms of educational background, licensing, and credentials. Depending on the provider in question, this may involve successfully completing studies at one of several accredited chiropractic schools as well as meeting the licensing requirements set in place by a local jurisdiction. This can make it much easier to locate and work with chiropractors that are fully trained on the latest strategies in this form of healthcare, as well as making sure the chiropractor in questions is currently in good standing with the chiropractic community.

The cost associated with chiropractic insurance varies, depending on the scope of the terms and conditions related to the coverage. It is possible in many countries to secure a basic policy that focuses mainly on routine procedures and comes with a modest monthly or semiannual fee. More comprehensive coverage is also available as both stand-alone policies and as provisions within a broader health care plan. The range of options make it possible for someone who may require nothing more than adjustments or other simple procedures a few times a year to obtain the coverage they need without paying for a lot of extras. At the same time, people who rely heavily on chiropractic care can opt for more detailed coverage that will greatly cut the overall cost of enjoying regular chiropractic care.

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