For various reasons, insurance has not always covered chiropractic care. However, as more people look for holistic ways to treat pain without addictive painkillers, chiropractic care has become more popular. Many insurances now cover chiropractic care. 

Whether you have sciatica pain or need help fixing your posture, chiropractic care is an excellent way to produce lasting results without surgery or other invasive procedures. If you have Blue Cross Blue Shield insurance, you may wonder if your chiropractic care is covered. 

At Bomberg Chiropractic, we take most health insurance policies, including Blue Cross Blue Shield. However, before beginning treatment, we always suggest you familiarize yourself with your insurance plan to determine what parts of chiropractic care are covered. 

Let’s look at some of the advantages and disadvantages of using Blue Cross Blue Shield insurance at Bomberg Chiropractic. 

Does BCBS Insurance Cover Chiropractic?

Blue Cross Blue Shield (BCBS) is a United States-based insurance company with 34 independent, locally operated BCBSA companies that provide health insurance. As of 2022, BCBS covered more than 115 million people in the US. 

The short answer is that BCBS insurance may cover some or all costs of chiropractic care, including initial consultations, treatments, and follow-up visits. You will want to know about your specific insurance plan's co-pays or other additional costs. 

For chiropractic care to be covered, your case must meet certain medical criteria, including: 

  • Services for diagnostic or treatment of medical conditions, injury, illness, or disease
  • Services must be necessary for treatment, cure, or relief of symptoms
  • Treatment must meet generally accepted standards of care

Before beginning chiropractic treatment, work with your chiropractic office to see what is covered and what you may need to pay for. 

Benefits of Blue Cross Blue Shield Insurance

Blue Cross Blue Shield was founded in 1929 and has a long history of providing excellent coverage for individuals and families. Here are some benefits of using BCBS for chiropractic care: 

Wide Network of Available Doctors

BCBS has a wide network of available doctors and specialists that you can use under their insurance policies. This means you can get the care you need when you need it. 

You will want to check with some specialists if a prior authorization or referral is needed. 

Affordable Co-Pays

Your co-pays with Blue Cross Blue Shield will be affordable, depending on your specific plan. This gives you peace of mind and allows you to get chiropractic care without exorbitant costs. 

Medicare Plan Options

Blue Cross Blue Shield can help you with Medicare plan options if you need them. You must meet certain criteria, but BCBS Medicare plans can help you with your needs, budgets, and lifestyle. 

Disadvantages of Blue Cross Blue Shield Insurance

Not all insurance plans are perfect, but keeping yourself informed of the potential disadvantages of your plan can help you save money and get the most out of your health insurance. 

Let’s look at some of the possible disadvantages of BCBS insurance. 

Deductibles vs. Out-of-Pocket Costs

If you have a large deductible, you must meet that before your insurance covers more costs. Depending on your chiropractic, it might be cheaper to pay without insurance than with your BCBS insurance. 

Work with your chiropractic office to see if you can pay out of pocket instead. 

Coverage for Certain Treatments

Like most health insurance companies, BCBS may only cover certain treatments at the chiropractor. These can include treatments for a specific ailment rather than general chiropractic care. 

Let Dr. Bomberg Help You Feel Better Today!

The team at Bomberg Chiropractic is ready to work with your BCBS insurance to ensure you get the care you need. Dr. Bomberg is an excellent champion for his patients and will ensure you can minimize your out-of-pocket expenses. We also have payment plans available if needed. 

If you need more information or have any questions, call us at 763-450-1755 or schedule an appointment online!