Running A Quote And Chiropractic Benefits
When you run a California health insurance quote, you will see chiropractic care broken out separately from office visit copays and usually, it is grouped with physical and occupational therapy. Since the underlying issues that require chiropractic care are typically more chronic in nature (last long periods of time if not indefinitely), there may be caps on the number of covered benefits in a given year. Some health carriers may allow more covered benefits but authorization is required first. On the Small Group market, some health plans offer Chiropractic riders which add additional or better chiropractic benefits. A “rider” is a like a side insurance plan added to the main medical plan. The “rider” can cover chiropractic, cancer, infertility, or a specific medical benefit that traditionally is not covered or has limited benefits compared to the core medical plan coverage.
Chiropractic coverage usually has the carrier paying a fixed amount such as $25 for a covered visit. With some plans, the main deductible may be waived for chiropractic coverage.