This is a great question. It should be easy to answer, but it is not. Every benefit plan is different. Some have chiropractic benefits, some do not. Some plans have a limit on the number of visits, some limit the amount paid or allowed per visit, and some limit both.
To get an accurate answer to this question, you should do two things:
Yes, most of the time. It is very rare for a benefit plan to pay for everything. The network chiropractor provider is agreeing to accept the network fee schedule, but you are still responsible for deductibles, co-pays, claims that exceed the plan limits and services that are specifically excluded by your plan. Also, if you provide incorrect insurance information to the provider, the entire claim may be your responsibility.
It is best to determine your financial obligation up front. The chiropractor's office assistant will be happy to help you with this question.
This generally is not a problem, but you should make sure your benefit plan does not have any special rules regarding changing doctors. You can do this by calling the customer service number on your insurance identification card.
Unfortunately, this sometimes happens. There are many reasons for it. If that happens, you can use our online provider locator function to locate a new chiropractor.
Although we offer one of the largest networks in the state, we are not able to accept every chiropractor. If your chiropractor is not a member of ActivHealthCare, and you do not see a member chiropractor on our provider locater nearby, there are a couple of things you can do.
There are many ways to do this. Our job at ActivHealthCare is to provide a network of qualified chiropractic providers. Although we cannot guarantee the specific outcome of your treatment (no one can), we do require that every provider in our network meet stringent credentialing guidelines.
Unfortunately, sometimes people have complaints about medical services. The problems can take many forms. They may be related to customer service, insurance issues, chiropractic office issues or treatment issues.
No matter what the issue, we encourage you to first address it with your chiropractor. In most cases, once you have brought the problem to your chiropractor it will be resolved.