Getting Health Insurance to Cover Your Lower Back Treatment Cost

Lower back pain can be particularly problematic for both the young and old. If you have spinal cord complications, issues with your discs, or problems with your nerve endings, you may struggle with pain along your lower back. Lower back pain also causes mobility issues, a decrease in physical fitness, and a significant drop in daily productivity.

Chiropractic treatment is one of the best approaches to resolving lower back pain issues. The unique approach taken by chiropractors can relieve lower back pain and restore an active and healthy lifestyle.

But how can you pay for chiropractic treatment? Will your health insurance company cover the cost? Indeed, many health insurance plans can cover the cost of chiropractic treatment—if you clearly present your case when making a claim. Here's what you should consider when applying for coverage from your insurer for lower back treatment.

1. Establish why the treatment is medically necessary

When you file a claim with an insurance company, the first thing they do is check if the treatment being sought is medically necessary. This means that they would want to know how the chiropractic treatment will improve your overall health and relieve back pain.

Work with your chiropractor to clearly explain (by submitting detailed medical records) the procedure that will be done, the number of visits necessary, and the amount of time you will need to recover. Everyone responds differently to chiropractic treatment. Therefore, you wouldn't want your insurer to only cover 3 visits when you will need 7 to fully recover.

2. Seek pre-approval from the insurer

It is also a good idea to make your insurance claim before seeking chiropractic treatment. Some health insurance companies can be very strict with regard to lower back pain treatment. If you assume that you will be reimbursed for what you spent on a chiropractor, you may receive a rude shock when your claim is denied.

Seek pre-approval from your insurer regarding the treatment plan even before your first visit.

3. Find out how much you will have to pay out of pocket

Your health insurance plan may not cover the full cost of chiropractic treatment. Therefore, find out what portion will be covered and how much you will have to pay out of pocket. Your chiropractor may be willing to put you on a payment plan for the remaining balance so you can afford the treatment.

If what you will need to pay out of pocket is reasonable, you should proceed with your chiropractor's treatment plan. Such treatment can ease lower back pain and restore the health of your spinal cord. Speak to a professional about treating your back pain if you haven't already done so.