Can Chiropractic care be covered by my insurance?
Getting into an automobile accident can be a painful and distressing experience. Along with physical injuries, it can also leave a dent in your finances. If you’ve been involved in an accident and are considering chiropractic care to aid your recovery, you might be wondering if your insurance will cover it. In this article, we’ll explore whether chiropractic care is typically covered by car insurance after an automobile accident.
Understanding Chiropractic Care
Chiropractic care is a non-invasive form of treatment that focuses on the musculoskeletal system, particularly the spine. Chiropractors use manual adjustments and other techniques to alleviate pain, improve mobility, and promote overall wellness.
Types of Car Insurance Coverage
Before delving into whether chiropractic care is covered, it’s essential to understand the types of car insurance coverage. The most common types include liability coverage, personal injury protection (PIP), and medical payments coverage.
Liability Coverage
Liability coverage typically covers the damages and medical expenses of the other party involved in the accident if you are at fault. It does not include coverage for your injuries or treatments.
Personal Injury Protection (PIP)
PIP coverage, also known as “no-fault” coverage, is designed to pay for medical expenses, lost wages, and other related costs for you and your passengers, regardless of who caused the accident.
Medical Payments Coverage
Medical payments coverage, sometimes called MedPay, is an optional coverage that helps pay for medical expenses for you and your passengers, regardless of fault. It can be used in conjunction with PIP coverage.
Chiropractic Care Coverage
Whether chiropractic care is covered by your insurance depends on the specific policy you have and the type of coverage you selected.
PIP and Medical Payments Coverage
Both PIP and medical payments coverage may cover chiropractic care expenses. However, the extent of coverage varies from one policy to another.
Coverage Limits
Insurance policies often have coverage limits, meaning they will only pay up to a certain amount for chiropractic care or other medical treatments. Be sure to check your policy’s details to understand the limitations.
Seeking Approval from Your Insurance Company
Before undergoing chiropractic treatment, it’s advisable to seek approval from your insurance company. Some insurers may require pre-authorization for certain treatments or may have specific chiropractors within their network.
Documenting Your Injuries and Treatments
To support your insurance claim, keep detailed records of your injuries, medical diagnoses, and treatments. This documentation will be valuable evidence to ensure you receive the coverage you deserve.
Choosing the Right Chiropractor
If you decide to pursue chiropractic care, choose a reputable chiropractor experienced in treating accident-related injuries. Look for positive reviews and recommendations from others who have undergone similar treatments.
Out-of-Pocket Costs
Even with insurance coverage, you may still have out-of-pocket expenses. Discuss the costs and payment options with your chiropractor beforehand.
Final Thoughts
Chiropractic care can be a valuable option for treating injuries sustained in an automobile accident. While insurance coverage for chiropractic care varies, PIP and medical payments coverage may provide the necessary financial support. Be sure to understand your policy’s details, seek approval from your insurer, and keep meticulous records of your injuries and treatments.
FAQs
Will my insurance cover chiropractic care if I was at fault in the accident?
Yes, if you have PIP or medical payments coverage, it may cover chiropractic care expenses regardless of fault.
How many chiropractic sessions will my insurance cover?
The number of covered sessions varies depending on your policy and the severity of your injuries. Check with your insurance company for specific details.
Can I use both PIP and medical payments coverage for chiropractic care?
Yes, in some cases, you may be able to use both coverages to offset the expenses of chiropractic treatment. Check your policy or consult with your insurance provider to confirm.
Does chiropractic care help with whiplash injuries after an accident?
Yes, chiropractic care is often used to treat whiplash injuries and other musculoskeletal issues caused by automobile accidents.
Can I change chiropractors during the course of treatment?
Yes, you have the right to switch chiropractors if you are not satisfied with the care provided. However, be sure to inform your insurance company of the change.