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Avoid Out-of-Pocket Costs with Chiropractic Care

If you’ve been injured in a car accident, returning to full health should be your first priority. Often, recovery includes chiropractic care. As with any medical procedure, navigating the finances of it all can be stressful. Luckily, you have options. Read on to learn how you can get the chiropractic care you need while avoiding out-of-pocket costs.

Auto Insurance

Some auto insurance policies cover portions of your medical bills—including co-pays and deductibles—if you’ve been injured in a car accident. This policy is often referred to as medical payments coverage, or MedPay. Check your car insurance coverage to determine whether you have MedPay. It’s a relatively inexpensive coverage that can be a big help in the event of a car accident.

Also, if you live in a no-fault state—like Florida—it’s easier for you to seek medical treatment after an accident. All Florida drivers who hold auto insurance policies are required to have Personal Injury Protection (PIP) insurance. This coverage can pay all or a portion of your chiropractic bills, regardless of who is at fault for the accident, which means you won’t have to wait until your case is settled to receive money for a no-fault insurance claim. You can get the care you need, without paying out-of-pocket costs.

Health Insurance

If you have health insurance, check your policy to see if it covers costs associated with chiropractic care. The good news is that most health insurance plans include coverage for chiropractic services, but each policy will provide a different level of coverage. Some standard care treatments that are generally covered by health insurance include deep tissue manual therapy and dry needling. Keep in mind, you’re responsible for any co-pays or other costs not covered by your policy.

Medical Liens

As you’re searching for a chiropractor, look for one that will work on a lien. If you’re pursuing legal action following your accident, many chiropractors agree to work on a lien, saving you from out-of-pocket expenses. Under this arrangement, the chiropractor waits to get paid for their services until you receive your settlement. Use caution, though, because if you don’t receive money in a settlement or the settlement doesn’t cover the full cost of your care, you may be responsible for the remaining balance.

Worker’s Compensation

If you were injured in a car accident while acting in the scope of your employment, you may be eligible to file a worker’s compensation claim. Whenever you’re injured on the job, worker’s compensation is often the primary payor, or the first insurance policy used to cover medical expenses related to the injury.

Get on the Road to Recovery After a Car Accident

Injured in a car accident? Don’t hesitate to seek the care you need from your trusted chiropractor at Impact Medical Group in Lutz. We’ll work with your insurance company to reduce your out-of-pocket costs as much as possible, so you can get on the road to recovery without financial burdens. Call us today at (813) 536-0373 to schedule your consultation.