Common Insurance Questions

If you’re considering chiropractic care, you might have questions about insurance coverage, Health Savings Accounts (HSAs), or Flexible Spending Accounts (FSAs), and self-pay options. Understanding how these work can help you make informed decisions about your healthcare options. As a family chiropractor in Colorado Springs, CO, we want to provide answers to some of the most common insurance and chiropractic questions people ask.

1. Does Insurance Cover Chiropractic Care?

Many insurance plans do offer chiropractic allowances, but the specifics depend on your provider and plan type. Most traditional insurance plans, including PPOs (Preferred Provider Organizations) and HMOs (Health Maintenance Organizations), offer chiropractic care as part of their benefits. However, there may be restrictions, such as a limited number of visits per year.

Additionally, most people must meet their yearly deductible or out of pocket before insurance begins paying for their chiropractic care. We only charge you the allowable amounts insurance providers set for chiropractic care; this varies by insurance provider.

Our team verifies your insurance coverage on your first visit, presenting all the details to you on your second visit. We believe in transparency and do our best to give you an accurate snapshot of your insurance benefits and our charges.

2. Does Medicare Cover Chiropractic?

Medicare covers chiropractic care, but only for spinal adjustments. It does not cover additional services like x-rays. Our team will confirm your Medicare benefits and are happy to answer any questions prior to treatment.

3. What’s the Difference Between an HSA and an FSA?

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are both ways to save money for medical expenses, but they work differently:

• Health Savings Account (HSA): HSAs are available if you have a high-deductible health plan (HDHP). They allow you to set aside pre-tax dollars for medical expenses, including chiropractic care. The money in your HSA rolls over from year to year, and you can even invest it to grow over time. This makes it a great long-term option for saving on healthcare costs.

• Flexible Spending Account (FSA): FSAs are typically offered through employers and allow you to use pre-tax dollars for qualified medical expenses, including chiropractic services. However, unlike HSAs, FSAs do not roll over from year to year, so you must use the funds within the calendar year or forfeit them. FSAs are ideal for short-term healthcare savings.

4. Can I Use My HSA or FSA for Chiropractic Care?

Yes! Both HSAs and FSAs can be used to pay for chiropractic treatments, including consultations, exams, and adjustments. Keep in mind that you may need to provide receipts for your treatments to submit for reimbursement. We are happy to provide those to you!

5. What If I Don’t Have Insurance?

We work with everyone! If you don’t have insurance, your coverage doesn’t include chiropractic care, or if we are out-of-network with your provider, we do our very best to offer affordable options so you can get the care you deserve. Many of our patients opt for payment plans. Our staff are happy to discuss all available options with you.

6. What Insurance Providers Are You In Network With?

We are in network with many major insurance providers, including Blue Cross Blue Shield, United Healthcare, Medicare, Aetna, Cignaand more. If you have any questions about your insurance coverage or receiving care in our office, our staff would love to help you.

Conclusion

If you’re seeking chiropractic care in Colorado Springs, CO, understanding your insurance options and how HSAs and FSAs work can make a big difference in your treatment planning. If you have any questions about your specific insurance coverage or how to use your HSA/FSA for chiropractic care, please contact us! Your consultation in our Colorado Springs chiropractic office is always at no-charge.