We get a lot of questions about insurance. In today’s blog, we’re going to dispel some myths about insurance and chiropractic care.
First, Lake Union Wellness takes insurance. We accept Premera, Regence BCBS, Aetna, UHC, Kaiser, Medicare, and a few others. We are “In-Network” with all major medical insurance companies except Cigna.
If you want to find out what services your insurance covers there are a few ways to check. To help you out, they’re listed from easiest to more complicated.
The absolute easiest way to find out about your insurance coverage is to call us at 206-735-4991.
If you want a more hands-on approach, you can send us a photo of both sides of your insurance card and date of birth to email@example.com. Our staff will call you with information about your options.
For an even more hands-on approach is to download your insurance carrier app and check the benefits. Make sure you’re taking note of:
- Your deductible and how much of it has been met
- Exam copay and if a deductible applies
- Xray copay and if a deductible applies
- Chiro visit co-pay/co-insurance
- Visit limits
- Rehab visit limit
- Rehab co-insurance/co-pay amount
- Massage visit limit, co-pay and co-insurance
- Check to see if you need pre-authorization for treatment
- Make sure you know if your insurance plan goes from Jan 1-Dec 31 or if it’s a plan year plan
If you prefer to speak to your insurance provider call the member service number on your card and go through the dial-by-number directory and sit on hold until you reach a human (try to avoid the automated system; they typically don’t provide enough details). Be sure to get all the information listed above.
If you really have time on your hands and are super organized track down the Plan details workbook you received when you did your initial onboarding with your company/insurance. That workbook will have a list of all the benefit details somewhere in the fine print. You can read through it and find out what’s covered.
Again, take the easy route – just give us a call. We will save you time by quickly getting the info you need. It’s free and there’s no obligation to become a patient.
Now that you know how to find out if you have coverage, let’s talk about what insurance *typically* covers.
Most insurance companies will cover all or some of the cost of your exam and X-ray, chiropractic treatments, and physical rehab treatments. Some will also cover your massage therapy sessions.
A visit to the chiro – when using insurance – is going to cost something. It depends on each individual policy and the company that you work for. For example, some Amazon Premera plans will cover 90% of the cost with a 20-visit limit. Other Premera plans only cover 12 visits and pre-authorizations are required.
Finally, therapeutic massages. Yes, some insurance covers them. But it really depends on each individual policy and the company that you work for. For example, some Amazon Premera plans will cover 90% of the cost with an 18-visit limit (not subject to the deductible). Other Premera plans don’t cover massage at all.
We understand you have lots of choices and questions when it comes to insurance and chiropractic care. Please call us at 206-735-4991. We’ll take the pain out of insurance – and your back!