A: For privacy reasons, insurers will not provide the details about your coverage to your chiropractor. You’ll need to get details about your coverage directly from your insurer or from your employee benefits resources.
Your insurance provider makes information available to you in a variety of ways: through your employee portal, mobile applications and through its customer service department, which you can usually reach either by a toll-free telephone number or online chat. When possible, request information from your insurer in writing.
It’s a good idea for you to understand the details of your coverage before your treatment begins. That way you know what your plan will cover and you can plan for any out-of-pocket costs that you may have to pay.
Your chiropractor and their administrative staff are happy to assist you. Here is a checklist to help you know what to ask your insurance provider.
Another option that may be available to you is called a ‘predetermination request,’ which is like an estimate.
If this service is available to you, your chiropractor can submit the cost of a specific treatment or product to a third-party service provider. Your chiropractor will then receive information about whether your plan will cover it. You’ll also receive information about any conditions, co-payments or deductibles that may apply to you.
Through the predetermination process, your chiropractor can save you time. They can get answers to specific questions about your coverage, without compromising your privacy and patient/chiropractor confidentiality.